dear planners,

                    Are you an elephant chained to a tree?

                   if you feel that comes april when new cpf rules kicks in

                   there will be lesser business and that your income will be affected

                   hey, i want to assure you that is not true, i want to challenge you

                   to look beyond your own shore, and do not be "chained" or weight down.

                   look into some others angles and open up more avenues and be more

                  creative to furthers expand your business.

                  instead of being a single premium specialist and stay stagnant.

                  look into total needs selling to widen and expand your horizon

                  for instance, go up to a client and offer them some informations

                  on our essential living term plan etc.

                  re-visits their insurance and re affirm them of a sound financial security plan

                  remember, investments is a choice BUT insurance is a needs.

                  needs by itself..sell life insurance..think about it.