Insurance: Agent Services and Unethical Behaviour

I bought insurance August 2006 under traditional plan. The agent approach me through my freinds (freind-to-freind intro). The agent given me a good impressions that he really doing his excellence services and being young with great achievements. Considered well-trained agent (full-time) and good in convincing skills.It telling me how desperate he need my policy. :P

I bought and pay the policy annual basis which is not cheap.

On the day i signed the forms and also profile survey (required by Bank Negara), I informed him that how long policy contract would be out and when would you be able to pass to me. He said about 2 weeks and pass to me once he got it.

2 weeks past and I called (instead of agent), he said they policy arrived but is in Seberang Prai Office and promised to collect it. Follow-up the called after 1 month..."Where is the policy?" ..he only replied.. I busy this few days, got this and got that, but i will collect it for you. I'm not seeing he is busy when he look for me to persuade me to sign for the plan. I called him again another rounds after few days, then he quite irritated with my closed follow-up. He immediate collect from S.Prai Office and passed to me at night. Then, he told me that I purposely go and collect it for you one and I replied "Thank you, but you're under service line.". This is his commitment to the company when he enroll as agent. Am expecting they delivered what they supposed to delivered and act professionally.

Time past very fast, occasionally I saw him talking to client and persuade client as what he does consistently. Sometimes, he walk over to talk with us and we always said to him, how can you leave your client on other table and seating with us for so long? He replied..."Already sign de"... and we replied "No medication can cure you". Silently in our mind...we shouldnt sign under this agent.

Time fly to Feb/mar 2007, I'm reviewing my policy contract and annual statement for Income tax justification. I just realised, he didn't do accordingly to customer need instead HIS NEEDS...
He bought for me the riders about rm2000 and the rest is investment. About 55% is riders while 45% investment. I thought it was traditional term investment plan? Shouldn't he place higher percentage on my investment versus protection? Speechless..but continue to process my income tax first.

June 2007, I'm reviewing my insurance policy and call him. No answer my call and no return call also. Forget it, I'm busy also to follow-up with him. Mid-July 2007, I went directly to Penang branch office and surrender my policy. A few days later, agent contacted me why do you surrender without discuss with me? I said "you don't pick up my call neither you return. But he said is ok since i already surrender.

August 2007, he called me to re-instate back the policy due to the policy that I bought actually he unable to meet his performance persistency %. I agreed to give him room to speak, so we meet at starbuck E-gate. He convinced me desperately and showing me letter from his company that he lost promotion to next level as unit manager.

I told him I surrendered this policy was because:
- I'm seeing long term benefits in me and it not I'm not able to paid
- I'm prefer others plan.
- I can't invest something that long terms not really fit to my future financial plan.
* Mainly..he not telling many truth during proposal time, irresponsible and unprofessional.

He debate by saying:- Just take the plan continue...
- Willing to return me all the commission as long as i continue
- continue beg me....and he said if I'm not reinstate...he will lost all his whole year plan effort and restart all over again.

after many discussions about 2.5 hrs, end-up there is no conclusion. Finally, he said he willingly to take up the plan, he will pay everything and do re-assignments as long as i willing to sign.. so he still have chance to get promoted. he said this will add another burden to him and I telling him that you wouldn't do something non-beneficial to yourself, you got promoted and can overwrite more from your downline. Aren't you get more than what you paid plus your commission are returned?

We meet up others day to sign for re-instatement and re-assignment forms. He process partially for me. How I know?

Somewhere in Oct/Nov, I received letter from insurance company to collect my policy contract back but due to I'm currently residing outstation, the customer service call me up. I arranged to collect when I return to Penang. Almost every, month when i visit back to my home (Penang), i received notice from the insurance company i'm still have to pay RM900 over PLUS interest due to late payment. 1st time he paid and follow the rest not sure he is paying that is why I continued got the letter. I informed him by phone in Nov, Dec, Jan and even before CNY 2008. Since he always replied, he would settle it and ask me to ignored, I'm continue give him chance to clear out.

Just before CNY, i call him that customer service confirm you do not process any reassignment and he said he would process it. After CNY/Mid feb, I called insurance company to check, not done so! The KL head quaters customer service told me that no impact on my policy or my name and it will lapse when no value accumulate. I told them all what happening, and I mentioned, when agent gave customer to sign something, he/she must process it as agreed. if he not process it, how am i sure if he submit others documents fully or partially in the future?

If i'm agreed at the first place under my name and let policy lapse, i wouldn't make noise. But this is what we signed and process the re-assigment. How can he ignore this?

Today's (and yesterday) I called up the customer service to check-up and request me to send them a letter for investigation. I midst of processed it before I away.

tags: Insurance, Financial, News, Business, Consumer, Penang, Complaint, Consumer Association

Sign Up for Xuan Kong Flying Star

Today's I went to Cheras to sign up for Yang Zhai Feng Shui - Xuan Kong Flying Star which will be conducted in 28 Feb 2008 until 2nd March 2008.

I have attended complete package from one of international well-known Feng Shui course but I found it was not really complete. Many facts are unable to explain when asked. Further more to this, has to depend to this master to mood to answer our questions. I'm not sure whether he do not know, have not enough facts, or simply secret don't want to revealed.

After all, I'm seeing this syllabus almost back-fire own organisation when his student lost in quest with this chase of doubts remained unanswered. If we unable to answer public or peoples surrounding us, proven your education levels in Feng Shui are not depth enough or better still don't put your chapter in as part of your syllabus. No one will happen to ask you such questions. Peoples surrounding all your students aware who is their master and where they learn from.

We often said when children unable to study, parent blaming tutor. But in this case, we enrolled the course ourself with hard earn $$$, we all sure have same common interest and that's where we are. If we half educated, is equally institution hold same responsibilities. Same like you adviced horse to stay quiet this year to think what had they done in past before move on; you should do they same. In fact, I'm only dissapointed but hope you stop our dissapointments and others.

You never trust so much on religion/spiritual, but I knew you trust Karma. Let forget the past and back to my new light of hope, to new feng shui organisation.

I'm looking forward no such occurence problems happen in my coming class. I'm trust them based on their experienced, lineage, humble master, great and closed friendship of staff and others senior students given so far. I went several times to their office, chatting, dinner, etc. I found they are really cultivate a great culture amongst the students (more than just a students...freinds).

Stayed tune for more update on 28th until 2nd March 2008.

Tags: Feng Shui, Xuan Kong, Flying Stars

Feng Shui 5 Elements of Cycles

The Feng Shui 5 elements of cycles can be viewed into 3 categories:

• Productive Cycle
• Exhaustive Cycle
• Controlling Cycle

Productive Cycle:
Basically the diagram above showing productive cycle. Water will growth/nourish the plant (wood). Wood burn will produce Fire. Fire will turn into ash (soil/earth). Earth containing metal and metal contain water.

Exhaustive Cycle:
Reverse cycle of productive cycle.

Controlling Cycle:

• Water control Fire
• Fire melt Metal
• Metal cut Wood
• Wood control Earth

Feng Shui blogology out of purpose

With Blog technologies available, it would enable us not only write any information we wish to published, but it also able to post picture from your mobile phone. Blog elaborate an ideas and opinions in many subjects. Some blogger focus on certain topic.

Recently, I visited one of the blog which was just introduce not long ago with concept to compete with others bloggers who tried to draw negative impact on him. I was thought he would take back a challenge to introduce more on chinese metaphysic concept, correction, and facts.

However, it was totally dissapointed to me when i found he actually feed the data from his old website and claim he wrote that as blog?

It show his intention show on purpose of having the blog, just can't let others better than him.- he has many website, why can't develop and utilised?

• what is different of copy the old articles (he wrote) and display on blog? better don't write blog. (speechless if you re-write and reference to old articles)
• Not sincere to involve in blog's- What he has posted there so far? nonsence and out of the topic. Chinese metaphysic is chinese metaphysic. No one interest in your new strategy/activities during seminar.
• Telling history unrelated to Feng Shui topic. what it has to do with the DOOR and number emperor in and out? No topic to write and starting with nonsence.
• He has the official website and forum. Can't be used? scared revealed secret? or he have no secret at all to revealed?
• creating the special forum topic to get in touch with his students? end up few posts and now stop...divert to BLOG? will see how long it will last!

In seminars which i used to attended (free ticket to fill-up empty seats~ kiasu after being criticised by public that projected high number of number and even pictures in seminar was actually editted ~ thanks to Adobe technology), when come to Q & A, he not even answered peoples properly. Where is his respect to the audiences? in 15 mins walked from front of the convention to end finished more than 15 questions? Not even evaluate and understand questions already answered. Better don;t have Q & A! This attitude is making the audience look like stupid (sorry to said).. they even confused and lost. How can you not review properly their place and straight answered them. The answered somehow may harm them.

Now he started to highlight those important topic he mis-out during the seminar as he claimed. Wonder if he read Lynn Yap forecast?

After all, now i start understand how far his gap in chinese metaphysic with others real master's and grandmaster. It's only give perception to me as motivation instructor than a claimed master. Wondering if he really got real Master (lineage) or just read all from book!

Ken Birthday at Setapak

I don't see any candles light up on the birthday cake. This is virtual replacement (online version).

Present that he got... scarft, trasparent crystal, etc

What they laughing at? They look also hamsap... lolz
Play game la, superman...FLY.....007..piang..... end up... 007 fly and superman piang.... c their face....

more fun... Ken like play game testing the memory... Mc Donalds la... Fruits..Countries Name..my GOD...

Winner of the day~~

This picture very hard to take.... always lari 1..

C...lari again...knocking the furniture

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Masked Rider

Della mui mui... here the picture you wanted....

Bazi / Four Pillars of Destiny: Seasonal Months

For all the tables I have posted, please remember to refer back. I will start with basic guide soon..

To find whether your day element is flourish/solid/weak/dead/trap, it is determine by your month of the season to the day element your have.

Colour of Life's @ Piggy Home

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Peach Blossom Combinations or Three Harmony

6 Combinations Earthly Branches

Above table show 6 combinations of earthly branch. You might interested to find out what they produce when they are combine.

6 Clashes Table Earthly Branches

6 Clashes of earthly branches. At 12 animal sign that we have today, at each animal sign it represent, would clash with another branch as shown in the table.

Earth Quake in Penang

Earth quake hit Banda Acheh, Indonesia measuring 7.5 magnitude which caused major shake in Penang 6.6 Ritcher scale. Temporary there is no alarm on the tsunami announce by local authorities but you should continuous follow up with latest news from TV, radio or online.

For safety, temporary avoid visit the beach or sea side area.

Lydia Shum Din-Ha - Passed Away (Chinese: 沈殿霞, July 21, 1947 – February 19, 2008)

A well-known Hong Kong Star, Fei Fei passed away this morning 8.38AM after suffer illness at Queen Mary Hospital, Hong Kong.

May you rest in Peace.

Esplanade Fruits..yummy

So happy..got interviewed by press again... good social skills

This meow always kena complaint..anti-social..coz play and play game, from car to food court.. and home... I believe Miss Jojo soon will got affected by the virus... she seem addicted too..

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KL Friends - New World Park Lioz Cafe

I promised her not to show her face...only for this pic. Jo, Meow, Me, Ken, Rachel, William, Danny, Kenny, Gavin.. are attendees

Ex-colleagues @ Starbuck

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New World Park Old Town

I'm sick but still joining them.

Happy Valentine's Day

May this Valentine's Day filled with joy, love, contentment as you journey through life. * Happy Valentine's Day *

Do everyone having same outcome with Animal Sign?

Before I posted 12 Chinese Astrology or Chinese Horoscope, many of my friends contacted me through phone, sms, msn, email, face 2 face, etc... asking me about their outcome in Year of Rat 2008.

Now I'm posting it up, another round of email, Would all experience same outcome?

Answer:
Looking at theoritically, common sense or logically point of view, there is no such thing have same outcome.
It is not true that when one animal sign is in bad fortune, he/she will experience it for the whole year. Same goes to the good one.

Each individual are reference to the trinity of heaven (Tian), earth (Di) and man (Ren). Each of us are unique in term of our birth chart (4 pillars of destiny), feng shui, physionomy and action. We very much concentrate to one good and forget bad or versi-versa. To qualify in good or bad, we need to observe in the area that I mentioned above.

Each negative can transform to positive or reverse, very much depend on our action and decision. Although it may influence you by many factors during decision made, that is why general screening is vital as head up but subsequence action is render to yourself.

Do not blame destiny, fate, others, cause sometime we need to measure how far we go, where are we today is what we have decided in the past. What is in the future is what you determine today.

Some said follow the wind flow, but some see eagle fly high by against the wind. Both are go through their own path and achieve to fit what bowl they carried.

The Pig in Year of Rat 2008

Those born in 1923, 1935, 1947, 1959, 1971, 1983, 1995, 2007.

Generally:
An average below for pig.

Health:
Not a good year for pig for health generally and more caution when you are involve in travelling activities or sports.

Relationship:
Relationship not much progress, stay calm and rest.

Wealth/Career:
Not suggested to change your career and money luck are not side you. Careful when dealling in investment and pay attention on your spending.

The Dog in Year Of Rat 2008

Those born in 1922, 1934, 1946, 1958, 1970, 1982, 1994, 2006.

Generally:
A good year for Dog as well generally in terms of luck.

Health:
No major obstacles.

Relationship:
Build your relationship with your surrounding. Dog will have support from the family members and superior.

Wealth/Career:
Good year in term of career but beware of your expenses.

The Rooster in Year of Rat 2008

Those born in 1921, 1933, 1945, 1957, 1969, 1981, 1993, 2005.

Generally:
The rooster will enjoy much with numbers of positive stars. It is a great year for Rooster for many areas.

Health:
Health are generally fine and strong.

Relationship:
The nobleman will come to help you. Avoid involve in gossip activities. Overall are prosperous and harmony. Keep it up.

Wealth/Career:
A smooth year for rooster in your wealth and career. Rooster would enjoy the fortune of wealth in investment or career.

The 12 Earthly Branches Chart

This is a simple 12 Earthly Branches Chart.

Monthly Earthly Branches:
Each month we would have different branch animal sign representative. Refer to Month column and reference to Sign Column. For those not understand what is Yin, it is referring to Tiger.

Example: If I'm looking at Jul, it is Wei or Goat. It is a Yin Earth fallen to last Seasonal Qi of Summer.

Note: The month here is not exactly as 1st day of English date. The date interchange the branch may vary from one to another. I will update that in next blog.

Time Earthly Branches:
Every 2 hours will be place one branch. To find the time of your birth, refer to Time Column and then refer to Sign Column.

Example: If you're born in 9:35am, then you're in Si which is Snake hours. As simple as it is.

The Monkey in Year of Rat 2008

Those born in 1920, 1932, 1944, 1956, 1968, 1980, 1992, 2004.

Generally:
This is an average year for you. So stay low and stick with your current job.

Health:
Becareful on the outdoor activities and take care of your health. Do not make yourself over stress.

Relationship:
Considering a great year for monkey in relationship. If you have someone, stay with it and avoid any affair.

Wealth/Career:
An balance year for monkey. Not much improvement or downfall. Your decision may make you go either way.

The Goat in Year of Rat 2008

Those born in 1919, 1931, 1943, 1955, 1967, 1979, 1991, 2003.



Generally:
Goat would enjoy a great year with few positive stars residing with it.

Health:
Your health would be improved and go for health screening. Put your effort to excersice and take a good nutrient food to strengthen your health. Good sign.

Relationship:
Goat may encounter with some communication issue, so think twice before talk to avoid problem. Goat could establish good network through socialising this year. An oppurtunity to grab.

Wealth/Career:
It is a good year for Goat in terms of wealth and career generally. If you have chances to get more money, you may want to consider it. Do not involve in money lending or borrow loan.

The Horse in Year of Rat 2008

Those born in 1918, 1930, 1942, 1954, 1966, 1978, 1990, 2002.

Generally:
Wild horse is not easy to train,
Well trained horse can't run from north to south,
Horse stop at river bank and green field,
Bow your head and you see reflection of water.

The Snake in Year of Rat 2008

Those born in 1929, 1941, 1953, 1965, 1977, 1989, 2001.

Generally:
This is an average year for Snake especially in your business and career. If you practicing snake king, god bless you then. hehe..

Health:
Average to good in term of health related.

Relationship:
Try to create improvement in your communication area with your partner or at work place.

Wealth/Career:
Is a good year for Snake in recognition and rewards. But caution in investment if you have that in mind.

The Dragon in Year of Rat 2008

Those born in 1928, 1940, 1952, 1964, 1976, 1988, 2000.

Generally:
This is quite a good year for Dragon with the presents of positive stars. Support to coming into your way.

Health:
Need to take care of your health.

Relationship:
You might busy with something (maybe your work or other stuff) that may lead you less company your partner. This would cause some relationship problem if prolong. Balance up your time and be together more often. Communication improvement is require for better relationship.

Wealth/Career:
Well, be patient with your boss. Indicate a good year in career but workacholic may cause you have problem if you're already married or attached. Use your own personal creativity to boost up your skills, product or service. People may buy it.

The Rabbit in Year of Rat 2008

Those born in 1927, 1939, 1951, 1963, 1975, 1987, 1999.

Generally:
Overall Rabbit is just an average below with presents of negative star resides with you. Stay low profile this year. Listen more than talk.

Health:
You health may not be that good this year and suggest you have a health screening. Caution about your kidney and blood (pressure, glucose, cholesterol).

Relationship:
Stay focus and try to understand your partner or your spouse. Minor shake-up in relationship which require you to appreciate the moment you have. Avoid any affair or triangle relationship.

Wealth/Career:
This is not a good idea for changing the job present year, but you might get support from your superior. Not a timing for any investment. Additional, bet less in your lottery cause you have less wealth luck this year. (not mentioned that totally zero's :P)

The Tiger in Year of Rat 2008

Those born in 1926, 1938, 1950, 1962, 1974, 1986, 1998.

Generally:
The Heavenly Sky Horse star are present this year indicate travelling. Apart of it you will have more responsibility at your workplace and extra scope. This is an average year for tiger with no special positive star present.

Health:
You might want to pay more attention at your health. Learn how to release stress at work place and practice work life balance. Take more healthy food to boost your immune systems and eliminate those toxic accumulation food to your liver. Depression and stress may arise.

Relationship:
With Sky Horse present, do try to make a minor trip with your family member to tie up better relationship. Do not argue or quarrel with your elderly as they may require some of your assistance. Render your help to them.

Stay focus and understand your love one. Travelling abroad may be better to get used with the environment.

Wealth/Career:
With extra work responsibilities, you may feel exhausted at your work place. Either you learn to reduce youe stress at work or try to take this as your oppurtunity to expand your present roles. So you need be patient and catch up with the company performance. Everyone is stay ahead, so tiger you must step further ahead from them.

The Ox in Year of Rat 2008

Those born in 1925, 1937, 1949, 1961, 1973, 1985, 1997.

Generally:

The ox this year should doing well with the present of 3 positive stars to aid you through 2008. Continue do your hard work and keep unnecessary complaint or involved in any gossip.

Health:

Your health should be doing good this year. Do take care of your heart and kidney. (Good doesn't don't have to take care~ hehe..)

Relationship:

Potentially may have some affair this year (romance) for those already married. But those single, try to look one. You may get help from your senior peoples to assist you. (So utilise it~).

Remember to keep yourself from gossip activity, stay focus and your oppurtunity will come.

Wealth/Career:

It about the time for you to travel and find your oppurtunity or expand your chance at wider scope to aim for promotion. As long as your face fit with the nobleman star, then this is additional point for you. Wealth and career consider good this year.

The Hamster in Year of Rat 2008

Those born in 1924, 1936, 1948, 1960, 1972, 1984, 1996, 2008.

Generally:

This year is just an average year for you. You might want to consider new position or new job but please note that you might go through some difficulties.

Health:

Sickness and likely to have some injury. So take when you are in construction areas or dealing with machinery equipments. Accident prone.

Relationship:

Not really a good year in terms of relationship. Although you may find the love one if you're still single. You might be patient enough when dealing with your emotion or discussion with your love, peers, parents or freinds.

Wealth/Career:

You might consider conservative or low risk investment rather than high risk. Long term investment are one of the low risk investment. Wealth are just average this year to you, so careful in spending.

Lunch at QB (Sakae Sushi)

Mayfair Luxury Condominium - Penang

Visit Yen Nee stall @ CNY Flea Market

Come and ta pao more fishes from her, even after CNY.

Lunch at Senior Citizen Home - Penang

Don't confuse yourself, this is just a view surrounding the area and there is no food of the picture. Is the food delicious? YES~ definately, I've been here for lunch (occasionally) since my aged 15. They do served local cuisine, western food, chinese foods, etc.

03-Feb-2008