Tan Hai Lih

Senior Financial Services Consultant

Tan Hai Lih

Senior Financial Services Consultant

✨ Since 2005, I have been working with friends and families on their financial planning. It has been a very fulfilling journey because of the many relationships forged over the years.

Like many of you, I love food and holidays. I also like to be financially independent and retire early. While we are working towards our goals, i believed in managing life's risk by "outsourcing" to the insurer. My hope is to help friends and families protect their goals so that we can all live a meaningful life together.

If you will like to have another opinion, connect with me and we can have a chat! ✨

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- AIA Singapore Pte Ltd
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Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

A Patient Agent

I am very glad to have Haili as my insurance agent. Haili is always very pleasant and patient in answering my questions on insurance. Over the years, she have helped me bridge my insurance gaps to ensure I have adequate coverage.

Her thoughtfulness and professionalism makes her my trusted go-to person for any financial advice.

Jinting, Accountant

专业的代理员

在朋友的介绍下，我接触了AIA保险公司。对于多样性的保险业务，让我不知如何选择。当我真正去了解的时候，我认识了海莉（ Hailih )。她是一位很专业的业务员，在她耐心的介绍下，让我对多样性的保险业务能够轻松的了解，而且她会帮我分析目前最适合我的保险业务。她专业和耐心的分析让我对我目前购买的保险业务更加有信心，而且也让我对未来的生活保险计划更加清晰。多谢海莉的帮忙！

Johnson, Operation Executive

My Favourite Agent

I met Hai Lih at my first job fresh out of school. We quickly become close colleagues and later, good friends.

I have known her for 15years and that’s how long she has been handling my financial planning. From the time I was single till now (Mum of 2), I have trusted Hai Lih with all my insurance needs. She handles the policies for my kids, my parents and even my brother and his family.

I can always count on Hai Lih to recommend the best options for me, as my interest is her top priority. Whenever I need help (even if it’s not insurance related), she is always ready to lend a hand or give advice.

I have a peace of mind knowing that Hai Lih will take care of all my insurance needs. I have recommended Hai Lih to many friends and colleagues and I will definitely continue to do so.

Clarise, Senior Analyst

My Sincere & Passionate Advisor

Hai Lih took over as my financial advisor 9 years ago. To be honest, I was a bit apprehensive at that time as I was unsure if we would have the chemistry. However, I was pleasantly surprised to learn that she is a sincere and passionate advisor who tries her best to tailor to my needs. I never felt pressured during our meetings when she patiently goes through the details of the plans with me. In fact, because of our shared interests (cats!), our consultations really feel like a casual catch-up with a long-time friend.

Thank you Hai Lih and here's wishing you continuous success!

Asilah, Teacher

Thank you

First of all ,
Me and my wife would like to thank Ms Hai Lih for all the help in time of my need and care . Once she come to know of my medical hospitalization matter, she immediately advice us what to do , what to prepare and towards all future claim matter .

She is very dedicated , fast respond to all my enquiries and concerned for our matter .

Thank you very much !

Having her as our Insurance agent is not just feel like only a insurance agent , We felt just like a good friend as well . We can talk to her anytime as and when we have any change of plan , policy due to some financial matter arise especially during this pandemic period.

She listens to our interest and needs , base on our current financial situation and recommend the right plan for us.

Most importantly , She is patient , helpful and she explain in detail to us.

I would strongly recommend Ms Hai Lih to anyone who wish to engage a personal health insurance advisor . She is the right one !

Thank you once again .

Steven, Grab Driver

My Reliable Agent

Haili is my cousin cum insurance agent. She has been my agent since she started her career as an insurance agent. Haili is reliable and knowledgeable about her work. It is nice chatting with her when we meet up for periodic reviews.

Huilian, Homemaker

MY FAMILY TRUSTED CONSULTANT

My family are grateful to have Hai Lih as our Insurance Agent. We have know her for more then 13 years and she never failed to answer to all my requests or any queries. She is friendly, sincere, knowledgeable and very responsive.

She's proactive and does regular follow-ups with me to go through a summary of my whole family coverage and review our needs.

I would strongly recommend Hai Lih to anybody who needs a trustworthy, dedicated and reliable financial advisor, you will definitely be in good hands. Thumbs up for her 👍🏻👍🏻👍🏻

Desmond, Sales Consultant

My Longtime Agent and Friend

Hailih has been a very responsible agent ever since she started to service my account more than 10 years ago. She is committed, knowledgeable, and always at the forefront of information. Despite the number of times I need her to remind me of my policies details, she never fails to keep up with it. She is always my go-to person in this domain. Thanks for being a wonderful agent and a friend!

Amelia, Regional Insights Manager

My Trusted Advisor

Haili has been my family's advisor since my first job. For more than 15 years, she has provided my family and I valuable advice on the coverage and policies we need. Her recommendations are based on our life stages , needs and situations. What I really like about her is that she never hard-sells, and provides her own honest opinion that is for the good of the client. She's proactive and does regular follow-ups with us to go through a summary of our coverage and review our needs. Having her as a dedicated advisor means that I can always go to her directly for any queries I may have or claims that needs to be processed. This reduced a lot of hassle on my end trying to contact customer services/ processing claims. Overall, I think she's a trusted advisor and shows sincere care to her clients.

Eileen, Marketing Manager

A Committed Specialist Who Really Cares

Hailih takes pride in her work and does not hard sell. One who genuinely cares for her clients and takes the initiative to follow up. Definitely someone you can trust with your insurance needs.

Violet, Project Manager

The Kindest, Most Amazing Agent

We are grateful to have Hai Lih as our insurance agent. She provides excellent service with a personal touch.

Hai Lih is very knowledgeable, always kind, friendly and very helpful always. Thank you for being so caring and you are an amazing insurance agent.

Kim, HR Manager

A TOP AGENT WE CAN ALWAYS COUNT ON

I met Hai Lih during a career fair in NTU quite a few years back. I was impressed by her professionalism so I immediately thought of her when I wanted to get insurance protection, and I was right – she is definitely a top financial advisor!

Hai Lih is handling all insurance matters for my family. She has been the most helpful for any situation we have been in. She listens to our interest and needs, puts our welfare on top of any other things and always recommends the right plans for us. She is patient to explain the details of every policy, provide comparisons, and ensure we get the most adequate coverage. She is even willing to help my friends who are not her clients but have troubles with their existing plans. When there are claims to be made, she follows up closely and we do not need to worry at all, the processes have been extremely efficient and smooth.

To us, Hai Lih is not only a financial advisor but a good friend now. It is indeed a pleasure to meet her and talk to her as she is able to address our needs promptly, and all we feel is the care and friendship.

I would strongly recommend Hai Lih to anyone who needs a dedicated, reliable and competent financial advisor, you will definitely be in good hands.

Yujun, Senior Financial Analyst

Our Family Agent

I have known Hailih for more than 13 years and I have seen her grown into a highly successful person. She is a very patience, caring, thoughtful and experienced person and these are her key success factors and the main reasons why our family chosen her as our sole family agent.

She is always contactable for any queries and has no hesitation on helping out for my family matters whenever is required. I am happy that we have her around and we look forward to have many more good years ahead together. I would definitely recommend her to my friends and family members for any insurance related topics.

Aaron, SAP Delivery Manager

A Passionate Expert and A Trustworthy Friend

I have known Hai Lih since we were both in secondary school and has seen her grown into a highly successful professional.

Hai Lih is always very patient and thorough in her explanations and has helped me to understand and ensured I had the best plan with the right coverage that’s suits my needs and budget. I can always count on her whenever I have problems or trying to recap on the coverage of each of my policies. She will answer the queries promptly.

She is passionate in life and always shared the best and relevant products with those she connects. There is no selling, just sharing. She truly wishes that her clients are adequately protected so that they can enjoy life without medical or retirement worries.

Have a chat with Hai Lih. She is very sincere, experienced, knowledgeable, and trustworthy. I highly recommend her.

Cacia, Marketing Manager

Our Agent Tan 😊

Knew Agent Tan since our secondary school days. I remember asking her why she chose to be an insurance agent over other careers such as property agent etc. She shared with me that in the profession of insurance, she is able to sell products that she finds useful to her clients, and in the long run, will be beneficial to them. And how true her words turned out to be!

A few years back, me and my wife never expected my 2yr old daughter to be infected with mutiple strains of virus that were life threatening, and had to undergo operation immediately, followed by a couple more surgeries due to complications. In all, my daughter was hospitalized for 1 month, with half the time in ICU. The hospital bill that came was worrying for us. Luckily, under the recommendation of Agent Tan, we bought a range of insurance policies that were suitable for our daughter even before she was born! Thus we avoided paying a huge bill when our daughter was discharged from the hospital.

Ever since joining AIA, she had been generous in sharing what she had learnt, which is about the importance of having sufficient insurance coverage these days. She pays attention to the information and details that was shared with us, and recommends suitable policies that my family and I need.

What i appreciate most is that there is no hard selling involved. And she always spends the effort in following up on the policies we bought, to ensure that my family and I are always well covered at all times.

Thank you Agent Tan! Our true Hero! 👍

Patrick, Manager

To many more years together

Thank you to our trusted advisor! I first engaged Hai Lih more than 10 years ago when we were both not married! It's been a while and the years is a reflection of my trust in her - She's my go to for my family's protection (yes, from single to married and now with two kids) and wealth accumulation. And I look forward to many more years! Here's wishing you success always, Hai Lih! ❤

Faidah, Prog
Coordinator

She's always there

Hai Lih has been taking care of our family’s insurance for years. From the birth of my first boy till my second daughter. She is always there when we needed her, in wee hours of the night where we are at the A&E department needing insurance advice, she never fail to respond promptly with all the answers we need.

She has walked us through different phases of our lives and we can’t imagine anyone else who we would want to take us through our life journey.

Thank you!!!

Clarence, Automotive Sales Manager

My last agent

I have purchased insurance from different companies ever since I started work about 20 years ago. Hence, I have had several insurance agents prior to meeting Hai Lih in 2012. However, she is the only agent that I have a long term relationship with from 2012 till now.

First of all, instead of focusing on selling me policies which are popular, she took time to study my needs and my family plans for the future. She helped us to consolidate an overall plan for my family, along with my husband’s and children’s needs in mind. At different junction in my life, she would check on me and advise me to review my plans so that we can make adjustments to my policies be it for health, investment or retirement. We really appreciate that as we are not big into financial planning and have many blind spots in this area.

In addition, Hai Lih is very prompt in answering any queries we have – and I do have many queries before making a decision to buy any policy. Hai Lih has always been patient and took time to explain everything in detail till I understand. In the event where we need to process our claims, she is also prompt in all her submissions. She saves us a lot of hassles and has always provided timely help and professional advice. I am happy to say that she is also now the agent of my daughter who has decided to embark on her first investment policy.

We are privileged to have Hai Lih as our agent and we believe that we will continue to go a long way with her.

Adeline, Private Tutor

An agent and a listening ear

Dear Hailih, thanks for being my insurance advisor for more than 15 years. You have always kept in mind my family needs and my ability to pay for the premiums. Last but not least, you are also my listening ear when things are not going so well at work. 😊

Belinda, Client Service Manager

Highly Recommended Consultant

HaiLih had provided husband and I with detailed quote and options to fit our family’s specific needs and insurance coverage. She’s a terrific agent who always kept us apprised of what actions needed to be taken care of. She even took the trouble to come to my office to process the paperwork. The process which I normally dread but she made it easy. She was able to make some excellent recommendations and our insurance costs are now less and we have much better coverage. HaiLih is fully committed to his profession and I would recommend her to anyone without hesitation or reservation. Thank you HaiLih!

Noriza, Legal Executive

Someone who considers my needs

Hailih took over the role as my insurance agent about 9 years ago. She is a diligent and nice agent who does not try to push sale policies which i might not need or cannot afford them in the event of unforeseen circumstances happen. She will patiently go through with me what i might need at different phrase of my life, and then let me make my own decision with more than enough time to consider. Whenever there is any new plan/promotion from her company, she acts as a filter and will notify me about it if she thinks that the plan/promotion is beneficial to me.

I have not had any issue when making a claim. I just have to inform her whenever something happens, she will guide me along and then help me process. All i will have to do is to wait for the cheque to be mailed out to me which did not take long. I have friends who told me about the long wait before they receive their claims.

There was a friend of mine who was complaining about her insurance agent who did not do a good job in explaining/informing over a certain issue, i had recommended my friend to consider a change of insurance agent for Hailih to take over. I have nothing to benefit from this recommendation but i can be sure that Hailih will do a good job.

Most of my family (inclusive extended families), have their insurance policies handled by Hailih. If there is any award to be given, i am not surprised that Hailih is one of those who receive the award. I highly recommend Hailih if any one i know of is looking to get a new insurance policy/agent!

Caroline, Secretary

HAI LIH , A GOOD FINANCIAL CONSULTANT AND A GOOD FRIEND!

I have known Hai Lih for 10 years and she is a very good Financial Services Consultant .

I was skeptical at first of taking any insurance for myself until I met Hai Lih. She understands my needs and she is patient to explain every detail in a simplistic way so that I can understand it clearly.

She also engaged with me once a year and update to me on the new scheme and go through again on the details of my portfolio / coverages with AIA.

Hai Lih is not only a good professional Financial consultant , with her close engagement to me , she is now a good friend to me who realize we have the same common interest , travelling and we do love cats!

I am glad that Hai Lih is still in this profession and I will definitely recommend to anyone that really needs help on the right coverage that suits their needs and budget!

Zaki, External Consultant

A Trusted Professional and Our Beloved Family Friend

Haili has been my family's agent for over 15 years and she is the best! Always patient, caring and ready with a listening ear, we love that Haili is detailed oriented and very responsible in her recommendations. She is extremely knowledgeable and professional in her line of work and as a result our insurance portfolio is at a great value with maximum benefit.

Sharon, Managing Director

DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

Tan Hai Lih

Senior Financial Services Consultant

Tan Hai Lih

Senior Financial Services Consultant

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