Few weeks ago, chat with my 2 of my friends. One is an Insurance Agent and the other is an agent of Funeral Product (including, funeral service package, buying niche, buying land & etc. anything that is related to after death).
So both of them recommended me to be one of their agent. For the Insurance, it is a bit complicated as I need to go for exam and pass the exam in order to become an Insurance Agent.
The other, about Funeral Products, need to pay a yearly member fees and also pre-planned a Funeral Product Service Package which cost RM4,000 as down-payment then the remaining as installment. At first, I am interested in this when I only though that I need to pay the yearly fees which cost only few hundreds as agent fees but then later on, further discussion, I only got to know that I have to buy one product with the down-payment of RM4,000. So, I did try to plan the reverse way which is to get buyers then from the commissions, I plan for the pre-planned Funeral Service Products, however that moment, I really realized that actually surrounding me, I don't have many friends. Looking at my list of friends, I don't know whom to call out to promote.
Both of them told me the important of the pre-planned. I am aware of all these as I just lost my father who is diagnosed with Kidney Failure. This kind of planning could really help the family, in case touch wood anything happen. Healthy Insurance + Funeral Service Pre-Planned. It is actually important to plan for these both if you really love your family so much. However as a matter of fact, in reality not everyone could pay for the both plan. It may cost RM1000 monthly. Due to the current pandemic, a lot of people are facing financial issue and there are people can hardly afford for their children's education and future.
Some had lost their job or got pay cut. Putting aside the mindset of selling out product and face the reality of others and empathy on others situation , it is really difficult to ask someone to consider these plan but if really could afford, it is really important to plan for these. The remaining days before death and after death. At that moment especially those who are unlucky and they might diagnosed with serous health problems which spent a lot in terms of medical fees. At this time, the person unable to work, and those who need to pay are the love ones. Then after death, will be even tragic, the person is not at the side of the love ones to plan together. All have to be done and settle by those who are alive and in a limit time. for Chinese, Funeral usually need to be conducted the next day and prayers will be 2-3days. There is not time for detailed planing and looks for money.
Based on my experience, before my father passed away, a lot medical expenses need to be spent due to without Healthy Insurance Plan. So, a lot of my monthly income had been spent and I don't have savings for my own. After spending so much, all of the suddenly, he passed away, there comes the Funeral Service which is needed. It cost me almost RM20K for everything. I am lucky at that time, I am fully supported by my family members from both side. I am lucky enough to have such supportive family members. The provide me Financial and Moral Supports along the way. These supports I could never return to them fully.
#leongfongyi #jovanleeong #insurance #funeral #lifeplanning
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