Killer's charm of innocent sweet lady.

There are many types of women I had encountered. Some are sincere and loving but some are not. The one that puzzle me most, are those with dual characters. They are sincere and loving at times but sometimes they are not. This is the most dangerous type of lady because you won't know when they would swing their moods.

These types of woman are mainly those who had left their husbands. They are strong and independence in character. If you check with them, they would not be shy to tell that they had divorced their husbands and not the husbands that left them. They love money, frame and glory more than anything else in life. Man is not important in their personal lives. They seek for self gratification only.

With lonesome and stressful career, they escape to seek for temporary spiritual shelter. They attend religious learning and guidance which are not effective to them. At times they think holy but the hearts are devil driven because greed is too strong in them. Those who do not know them well would think that they are kind and spiritual incline.

However when they are out in the corporate world, they work like super dynamic ladies. They are cunning, shrewd and irresponsible in their professions, especially those who take up selling and marketing. They use their feminine charm and beauty to secure result. They use their sympathetic image as single parents to gain support and businesses. With their strong determination, they are not bother to follow ethical practices and rules. One word, they have no principle in life but heartless.

With their single status plus their sexy and attractive looks, they enjoy having fun with men who happened to come along their ways. They could seduce men to buy their products or to build a short term relationship. One day they are loving and the next they can turn arrogance. Whether on job or relationship, they would never be serious. Within their religious circles, they talked holiness and love but out in the earthly world, they behaved devil to a certain degree.

I am still asking myself; what are they? who are they? are they angel or devil? are they dangerous to our peaceful world? are they causing harm to the innocents? what are they seeking? are they sick?

This world certainly has a lot of mysteries to learn and to explore. So, when the next round you meet an innocent sweet lady, don't take her so easily but add cautiousness and be careful in your dealing with her. For she can cause more harm than good.

Life Insurance is a promise to deliver.

Is selling life insurance easy or difficult? Yes at the beginning but no if you are not serious in the business. Most rookie agents who started this career are money driven. They could do well in the first year, because they have many friends to support them at the beginning.

Selling life insurance is offering a promise to deliver. A promise that in the event of the future, if the client dies, disable or sick, the agent would be around to handle all the necessary claims for his client. Sad to say, not many rookie or even agents are competence in claim procedures. There are many types of claim, either the minor or major, all claims have to be submitted according to strict requirements.

All new agents are recruited and trained by the sales agency forces. Most of the trainings are related to sales and marketing, when income, incentives and recognition are over emphasized to motivate the agents to sell. Not many agents have the chance to experience a death claim. Meaning, you might be selling many policies but not many clients would die too soon for you to gain the experience in making a claim. So, many a time when an inexperience agent who encountered a bad claim, he would find difficulties to overcome the problems. Not forgetting the sales department works differently from the claims section. The sales want more sales but the claims control sales, unless the sales were brought in right.

I have worked 25 years to understand the important of claims. It is only when a final claim is paid would I consider a sale has concluded. So whenever I submit a case, I always informed my clients that their estates and insurance requirements are of prime concern to me. Their programme should be reviewed from time to time. If their estates are not in proper order at their retirement or premature death, then I have failed to live up to the faith and confidence they have placed in me. This is my personal promise. This year alone, I had submitted three death claims with speedy approval, not counting the numerous medical claims too.

My recommendation to agents who want to excel in this career; before you sell, please take some time to approach and learn from the claims underwriting first. They don't teach you to sell but they convince you to be serious in this business. You learn from the last part of the business to become more professional. It might sound silly but it works.

"Happiness is not in having or being - it is in the doing." This definition of happiness by Lillian Watson.

Selling is like acting.

Selling is like acting. Good movie actors and actresses could take any roles to amuse and entertain their fans. They can make you laugh and cry with emotion, depending on their stories. They can be so natural in their acting that their fans can be carried away with their shows.

Selling needs emotion and feeling. At times when you relate happy moment, can you add laughter and humour on your expression. Or perhaps you are telling a sad story, can you have tears in your eyes and words to reflex the sorrowful part of it. Certain time you want excitement to be felt, can you create the moment of anxiety and interest. Your products need love and concern, can you act to show you are sincere and kind hearted. You want to depict your success and reliability, can you act by emotion and expression without saying them in words. Yes! If you are an actor, the above character and action can be acted to perfection accordingly.

If you can't act, I suggest the next time you see a movie or a TV show, take some seriousness in observing how movie stars act and dramatise in all their scenes. They talk with perfect natural facial expression. They can laugh and cry with feeling. Given time, you not only can sell but you can act as well like them.

My belief; "If you can act in your daily life, you can definitely be able to sell anything under the sun."

The truthful & untruthful worlds.

I believe most of us are living in two different worlds at one time. When we are out, we live in the untruthful world but when we are back home, we are truly ourselves. Shall we tell the truth or shall we not!

You might be unhappy at times but when you see somebody important, you behave as you are happy. Is it good for yourself? May be not because you have to exert yourself and pretend to be pleasant when you are not. Without realising, you develop tension and become more stressful. So, by the time you return home you become a wild animal to the family and that's where you become your true self. I had seen ladies who were sweet and charming while working outside, but actually they are fierce tigresses at home. Don't ever judge a book by its cover.

You are being approached by an aggressive salesperson, who has presented his product well. You know the benefits are good but you can't afford to buy. Instead of telling the truth, you prefer to lie by saying the product is not good. I am sure all you readers must had done these many times before. Right? One thing for sure , I always offer positive compliments to those I meet, be they the truth or not. I like saying, "You look wonderful" or "You are sweet". Whether they are feeling wonderful, sweet or not, the power of those words could create magic in them. You may consider those as white lies, which we have to live with in our world of truthfulness and untruthfulness at the same times.

"Sometimes your joy is the source of your smile, but sometimes your smile can be the source of your joy." This happiness quote by Thich Nhat Hanh

Unethical practice of selling

Life insurance selling is a professional career. Those who profess as insurance agents have to be committed, responsible, honest, has integrity and principle, ethical, has a caring heart, fair dealing with clients and principle representing, and prepared to work hard.

With these many years of selling life insurance, I had encountered many who were considered as black sheep to our industry. They had never honoured the above rules and policies for selling professionally. They sold for the sake of self interest and to make profit instantly without the consideration of their clients and companies. I felt disgusted with their unethical practice and behaviour.

I take this opportunity to relate one typical case for illustration. There was an agent who looked presentable and spiritually incline at the beginning. He sold an insurance plan to Mr X two years ago. Agent was not doing well in his business. Mr X was not healthy then. Out of desperation, he sold Mr X a policy without declaring his actual medical history. Two years later, Mr X was confirmed to have diagnosed with advance stage of cancer. He is currently under heavy medical treatment but agent advised him not to claim his sickness benefit. Because both of them had not disclosed this fact of health on submission of proposal to the insurer previously. The agent has to wait for a death claim. It sounded cruel for waiting a client to die before a claim is payable. Meaning, claiming the sickness benefit now might create suspicious and perhaps claim might be denied later.

I considered the above arrangement has intention to cheat, which isn't fair to the client and the insurer. The agent's dishonesty and unethical way of advices, had not helped the client's needs, except for earning commission and incentives for himself. He had unnecessary created fear and uncertainty over his case plus putting his client under pressure.

Although his client is very sick and dying, agent did not show the slightest care and concern over his client's health. I wondered where all his faith and spiritual belief has gone. Surprisingly agent also has little experience and knowledge on claim procedures. Would he be able to help client family's claim when he passes away later! Such agent around is really a disgrace for our industry. He should be reported and thrown out from our circle.

Of course not all insurance agents are like him, who is out to make money for himself only. Hopefully with better and more stringent rules enforced, there should be lesser unprofessional agents being recruited into our respectful industry. A friendly advice for our consumers who intend to purchase insurance products; please deal with agents who are serious and professional in their trade.

My strongest belief in life; "If I am honest in all my dealings. I can never experience fear."

Don't sell when you are stressful.

Many sales are lost when you are not at the right frame of mind while selling. There is a saying,"Success leads to success." Nobody likes to deal with a failure or a sorrowful salesperson. Never bring your personal problems onto your selling.

Recently I had a chance to accompany one of my associates to present one of her financial products. Before meeting our prospect, she was telling me about her recent family, personal and career problems. She was under tremendous amount of stress and pressure, but she refused to cancel this important appointment.

When the time for her to explain and to illustrate her plans, she was not calm and her words were jittery. During the presentation, the prospect was asking for some uncertain questions. Instead of offering a logical and confident explanation, she turned arrogance with a rejected tune of voice. For a moment, the prospect was taken aback and that was when I came in to rescue her with my explanation. The prospect was happy with my reply and she continued to close the case quite easily after that.

Perhaps she wasn't even aware she was at wrong because stressfulness could blind one's thought. She was lucky that I was around to observe and to understand the finer point of closing a deal but not all the time she would be this fortunate.

Conclusion; when you are stressful, worry, unhappy or having some kind of problem within yourself, please avoid selling until you have a peace of clearer mind. Never bring your personal problems onto your work, especially meeting an important person. These are true facts of selling.

All the wits & fancies of woman.

There are many things that puzzle me between man and woman. Like for instances; when woman cries, man feels sympathy for them. However when man cries, he is considered as weak.

When ladies stare at man, man would be over joyed. Be careful man, if you stare at ladies, you would be called as a maniac.

When girls smile at boys, this is manner and politeness but when boys smile at girls, this is rudeness.

If a lady has a tyre puncture while on the road, there would be many helping hands for her. Sorry for man, you have to do it yourself.

Ladies who wear bikinis at sea front, all eyes are on them with admiration. Man can go naked, nobody would be interested, as they do look ugly.

A sweet young female voice on telephone can arouse a male listener's attention. A male voice has to add confident and clarity before your listener can accept you. Otherwise, you are treated as a nuisance.

If a lady twinkles her eyes to a man, his heart would melt with excitement. Sorry for the man! Don't wink or blink your eyes to a lady, for you might get a slap instead for nothing.

A woman who invites a man to bed, both would be satisfied and happy. Be careful man! When you have sex with woman, you could be charged for rape.

For woman to get men is always so easy, but for man to get woman is tough. One consolation to man; No doubt, it is easy for a woman to get many men but it is never easy for a woman to get the right man to love her. Woman can always out smart man in many ways. They might have all the wits and fancies to take advantage on man, but finally they still have to seek that particular man to love her right. Thanks God! You have treated us fairly in that sense.

Specially for ladies; "Love in not finding the right person. But creating the right relationship. It is not how much love we have in the beginning. But how much love we build until the end."