FINANCIAL PLANNING ASK THE EXPERT WHO AM I? As long-term DB residents will already know, I am KayeKaye Khemlani (PIBA No. 0032-009006), a native-English speaking insurance advisor, with a strong presence in Discovery Bay and Hong Kong. But aren’t you getting tired of my boring adverts? It’s time for some growth and knowledge.
MY THOUGHTS ON TERM LIFE Let’s look at your home mortgage or income property mortgage protection policy. Also known as TERM LIFE, this is a sometimes mandatory product imposed on you by your bank. If your loan amount is US$1 million, you will be asked to get a life insurance policy for that amount. What the banks do here is called DEGRADING TERM – as the loan balance diminishes so does the death pay out. This means that after 10 years, you only get US$500 back or whatever is balance of your loan – and your premiums never decrease. With my company you get the full US$1 million back!
MY OFFER I can do a comparison shop for you free of charge, to ensure that you have made the right choice and check that you have the right product at the right price.
CONTACT ME
cadac ad ADB.pdf 2 15/9/2016 2:54 PM
RS_GERMANCOMMUNITYAD.indd 1
Tel: 9811 1554, email: kailash_k3@hotmail. com, kishus@i-cable.com 25/03/2013 4:13 PM
EUTS