Knowledge is Infinite

Continuous Training Promote Professionalism

Be a remarkable professional through systematic training!

From fresh to experienced,
You will equip yourself with professional knowledge,
And achieve your aspiration for success.

Engage in an insurance career, you are not only make friends with many people, become rich, but also learn a lot.

It is "Simple" to Succeed.

Only if you ~
Select the right career
. Life insurance is a prosperous career that awaits you to join in any times.

Follow the right person
. Following successful people and team is the fastest way to succeed.

Do the right thing
. The spirit of working hard in order to win a victory is no longer applicable. If we work smart, we are sure to successd.

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The Truth of insurance

The Truth of insurance is to prepare today for tomorrow

Parents will make preparation for their children.
The preparation is done since the children are still young.

Having preparation today for tomorrow, is called true steadiness,
Having preparation for death while still alive, is called true realization,
Having preparation for children, is called true love.

If we are not capable of doing these things, we are not the modern people in this new era.


A Letter That Will Never Send

Dad, I miss you so much especially at this quiet night. Where are you?

Dad, our neighbour, Mrs. Lim hired a piano teacher for Ming Ming yesterday. She had mentioned this to mum. However, we are not afford to hire a teacher as dad has gone.

Dad, mum has to deliver newspapers very early in the morning everyday. Mum was chased by a flock of wild dogs. She had fallen and bleed. I heard mum crying very sadly in her room at night. This afternoon, brother and I went back home together. Mum was not at home.. There were two buns on the table for us. However, it was not enough for younger brother. He cried for dad.

Dad, I do not know how to tell him. The school open next month. Mum is working so hard to earn our school fees. When I touched mum's hands, they were so rough because mum had been working so hard.

Dad, please come back! I miss you so much! I cannot stop crying whenever thinking of our whole family traveling happily together.

Eventhough I realized that you will never coming back, I still want to tell you,

Dad, I love you!

Source : IMM Management S/B

Why should I buy life insurance?

1) Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

2) Pay final expenses
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

3) Create an inheritance for your heirs
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

4) Pay federal “death” taxes and state “death” taxes
Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other assets or take a smaller inheritance. Changes in the federal “death” tax rules between now and January 1, 2011 will likely lessen the impact of this tax on some people, but some states are offsetting those federal decreases with increases in their state-level “death” taxes.

5) Make significant charitable contributions
By making a charity the beneficiary of your life insurance, you can make a much larger contribution than if you donated the cash equivalent of the policy’s premiums.

6) Create a source of savings
Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).

Source : Insurance Information Institute