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SBN Financial Planning Services (SBN FPS)
is a platform to serve SBN students and friends
for their financial planning services including
insurance protections and wealth management
with peace of mind and SMART CHOICES.
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Arita, studied french language in France and translation in City University of Hong Kong, was working with International SOS Emergency Assistance Company (www.internationalsos.com) after her return from France as the operation co-ordinator for 2 periods from 1992-93 and 1996-98. Dealing with the daily operation work of several dozens of emergency cases with all unexpected accidents, sicknesses and deaths, she saw the urgency and need of good insurance protection to all, anyone – men and women, old and young, rich and poor for it would come to attack anyone anytime anywhere, and confirmed insurance companies truly paid full of the claims amount from their policies at their difficult times. She had strong conviction of the miracles and benefits of insurance to give large protection and immediate cash flow for the needy insured and his/her family financial security at life crisis. She saw the urgency and importance of an appropriate and adequate insurance protection planning arranged early and properly in one’s life. She truly believes the money you “save" in insurance is “your easy money", the money you “get" from insurance is the money you “need most in life".
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BTW, Guarantee cash value, guarantee interest rate and lifetime annuity pension are valuable financial treasures to lay good foundations for a healthy stable financial planning as no other investment financial tools may offer you “guarantee" in your investments. In 1997 financial crisis and other difficult times, people may find insurance helpful to have enforced small savings from them to keep a small money reserve with gurantees which helped them to easy their unexpected money need. She has witnessed these all to increase her faith in insurance benefits and miracles, and her faith turns to be her passion to be “insurance angel".
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In view of Hong Kong’s new economy transition to be a finance center for China in 1997, feeling uncomfortable with some office politics and seeking more personal growth, she started her insurance career by joining Sun Life Financial in 1999 as the top 4 freshmen and later the sales manager. She focused herself to pursuit more insurance knowledge to enhance her professionalism by equipping herself with several international insurance professional credentials namely FLMI, LUTCF, UND, IFPC throughout her insurance early years, later upgrading herself with value investing knowledge and experience as a competent financial planner. She aspired herself to make a difference and a new impression of insurance service as “insurance angel", not insurance agent as she understood some common problems in insurance industry – unprofessional, pushy and no follow-up. She really aimed to “maximize your coverage and minimize your premium", “prudent financial analysis and underwriting" and “responsible caring after sales service" which rewarded her good reputation of Insurance Angel brand, winning her a pool of nearly 300 insurance friends (including some orphans), more than clients, in her 7 years service with Sun Life. She has targeted female professionals and working class, with 70% female clients, as high as 45% of direct referral business and over 90% for her policy persistency rate as evidences of good reputation and good business quality. She has enjoyed her insurance life with the blessing of sincere friendships.
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Arita has done well and acted on what she truly believes in these 3 keys for insurance career success:
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1. life insurance is purchased unless somebody loves someone.
2. professionalism and honesty are the best product.
3. care and responsibility after sales are the best service.
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With solid professional knowledge and field underwriting experience, she advanced herself to broker platform in 2005 and also followed her passion to create Smart Beauty Natural, a hobby business. She again aspired to combine arts, philosophy and commerce into her business adventure and so far, Smart Beauty Natural has been attracting more and more “nice smart ladies" to enjoy natural health and beauty care at home in her passion, creations and contributions, whom she may prospect as new potential clients with relationship building in gentle caring way. This is the path comes to SBN Financial Planning Services.
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Arita enjoyed high integrity and professionalism, plus no quota pressure from her new broker partner – Everon Insurance Services Ltd to serve her clients wholeheartedly and the advantage of more financial tool choices from a large range of international insurance companies which really fits her perfectionist working style with more knowledge base, rational analysis and best suitable tools for implementation. She felt happy with better executive secretarial support, more independence and flexibility for choosing the most suitable financial tools to best fit the various individual needs and desires of her clients.
Everon Insurance Services Ltd has been acquired by Group E (www group-e.com) in 2021 and redirects their business focus on HNW market through private bankers to have deregistered general insurance Technical Representatives.
Arita newly joins AGBA Focus Team on OnePlatform Wealth Management Ltd to continue her insurance financial planning n family legacy planner career in 2022. AGBA is a Nasdaq listed company in US and Focus Team is the largest broker platform in Hong Kong, an all rounded financial planning services platform with comprehensive financial tools from insurance, funds, mortgage, Walton land banking, international properties, immigration, stock trading services etc to well equip her to better serve her clients.
Arita’s strengths are:
1. professional total need and budget analysis of financial liabilities, income stability, target saving objectives and risk toleration.
2. smart selection and due diligence for the most suitable financial tools (with guarantee basis & good features) from different international insurance companies with discernment to the company financial strengths, claim reputations, plan special features and benefits best fitting the various individual financial needs and desires of each prospect/client.
a. USD 1 Million family life protection to minimize your premium + maximize your coverage – at very competitive low premiums to save money or with refund of premium (ROP) benefits as part of enforced small savings for retirement ( also with full protection concept to serve with personal accident, medical, dental, home, fire, travel, china card, …etc)
b. education fund + critical illnesses protection to enable your child to receive best education for a prosperous life perhaps is the most meaningful gift in life from dearly parents. The tools have excellent guarantee and flexible basis & features with parents’ good heart for a seed planting gift of disciplined saving concept to your child after their university graduation + guarantee lifetime pension.
c. retirement planning + long term care tools with excellent benefits and guarantee and flexible features of IRRESISTABLE guaranteed annuity lifetime pension income for a peaceful happy life.
3. do the right thing – strong insurance technical knowledge with prudent and professional underwriting expertise for application process as she emphasizes insurance contract underwriting is extremely important in one’s life as it would largely matter the claims in the future for the needy money at life crisis for his/her family financial security.
4. responsible and caring after sales and support services, strict confidentiality, and no pressure to push you “buy from me" but assist you to be “a smart buyer" like a sincere friend, a trusted adviser. She respects your “free will" and “choice".
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Important:
1. Insurance protection is not the shopping of a competitive policy product alone, but the trust of an agent professional and responsible service for design and underwriting + some suitable policy coverages to take care you and your family, specially upon the claim service, because it’s the man to advise and walk for your claims arrangement, not the paper policy which itself cannot talk nor walk for you.
2. Delay to start insurance protection and savings has high extra-cost for both increasing premium total cost and the reduction of the power of compound interest total effect. The WORST of health deteriotion, you can’t buy any insurance protection of high risk declination. : (
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Well, hopefully above some heart sharing of my insight, experiences and pursuits may give you some understanding and trust of my “insurance angel’s service". What I would appreciate from my new prospects and clients – respect to insurance professionals and my time, please take seriously your insurance protection and financial planning for discussion and implementation. It pays you off peace of mind to enjoy life afterwards.
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Thank you to my friends and existing clients for continuously referring new prospects for me to meet, giving me new opportunities to execute my insurance expertise to " serve and save " more people!
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I sing a praise – Insurance is beautiful and a miracle!
Happy insurance financial planning with SBN Financial Planning Services!
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Sincerely,
Insurance Angel
Arita ; )
Arita T. Chan
FLMI, LUTCF, UND, IFPC
Senior Insurance Financial Planner
SBN Financial Planning Services (SBN FPS)
Mobile: 93268452 email: arita.chan@sbnfinancialplanning.com
website: www.sbnfinancialplanning.com
IA T.R. Registration No. IA5544
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Broker Partner:
AGBA Focus Team
OnePlatform Wealth Management Ltd
23/F, Hopewell Centre
183, Queen’s Road East, Wan Chai, Hong Kong
www.agba.com
Email: arita.chan@focus.agba.com
Mobile: 93268452
SBN Financial Planning Services 聰美然 專業理財規劃服務 