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@sheqinmustaffa: terasa seperti di spa๐Ÿฅฐ bau yg sgt tenang๐Ÿ•Š๏ธ๐Ÿƒ #shower #glowseason #wangian #therapy #spa

SheqinMustaffa
SheqinMustaffa
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Region: MY
Tuesday 08 September 2026 08:20:50 GMT
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๐€ ๐ฅ๐จ๐ญ ๐จ๐Ÿ ๐•๐”๐‹ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ๐งโ€™๐ญ ๐Ÿ๐ฎ๐ฅ๐ฅ๐ฒ ๐ฎ๐ง๐๐ž๐ซ๐ฌ๐ญ๐š๐ง๐ ๐ฐ๐ก๐š๐ญ ๐ญ๐ก๐ž๐ฒโ€™๐ซ๐ž ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐ข๐ง๐ญ๐จ. And thatโ€™s why education should come before the sale. When a client wants a VUL, itโ€™s my duty to explain their options not just the insurance, but also the funds. Local or global? Stocks or bonds? What are the risks? How does the fund work? Is it suitable for you? A VUL is
๐€ ๐ฅ๐จ๐ญ ๐จ๐Ÿ ๐•๐”๐‹ ๐œ๐ฅ๐ข๐ž๐ง๐ญ๐ฌ ๐ฌ๐ญ๐ข๐ฅ๐ฅ ๐๐จ๐งโ€™๐ญ ๐Ÿ๐ฎ๐ฅ๐ฅ๐ฒ ๐ฎ๐ง๐๐ž๐ซ๐ฌ๐ญ๐š๐ง๐ ๐ฐ๐ก๐š๐ญ ๐ญ๐ก๐ž๐ฒโ€™๐ซ๐ž ๐ ๐ž๐ญ๐ญ๐ข๐ง๐  ๐ข๐ง๐ญ๐จ. And thatโ€™s why education should come before the sale. When a client wants a VUL, itโ€™s my duty to explain their options not just the insurance, but also the funds. Local or global? Stocks or bonds? What are the risks? How does the fund work? Is it suitable for you? A VUL is "not" simply a 10year or 20year-to-pay plan. The payment duration, policy sustainability, and long-term funding requirements should be clearly explained It doesnโ€™t have to be technical. Clients just need to understand enough to make an informed decision. Because a good advisor doesnโ€™t just sell a product. We educate, assess suitability, and help clients choose what fits them.


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