The Parable of the Pipeline

This short video is based on a book on the same title by Burke Hedge. He explains in his book how virtually anyone can leverage their time, relationships, and money to become “the millionaire next door” by using the time-tested secrets of wealth creation. He also says that job security is an illusion… and why pipelines of residual income provide the only TRUE SECURITY

Get Book Here

This is especially true where we cannot depended of our physical capabilities forever to generate financially security for ourselves. Eventually there must be another source of income, be it investments, business or anything similar

This video shows how 2 ambitious friends Pablo & Bruno strive for financial success, each however attempting a different approach

Animated version

Storybook Version

Other Links On Business Opportunities

Just how much can successful Insurance Consultants earn?

How Wealth Creation & Preservation through Life Insurance is FOR ALL?

Zurich NTX for New Consultants

Rama Krishnan

RKC Agency

012-3208475

How Wealth Creation & Preservation through Life Insurance is FOR ALL?

As an Insurance Consultant, you would be providing the most important services to your clients:-

  • Immediate Estate (Wealth) creation where there was less or none earlier
  • Asset Preservation where your product, eg Medical Card, will help pay bills and not require your clients to use their own money
  • Wealth Accumulation, where Life Insurance is also a way to save and invest money to help pay for a planned expense, like children’s education or retirement
  • Estate Distribution is the fastest through Life Insurance when properly executed. The beneficiaries of your clients will not have to worry about Creditors, Legal delays and Estate Distribution Laws

An Insurance Consultant would normally aspire into becoming a Financial Planner. It is the 15th best job as ranked by Jobs Rated 2011: Ranking 200 Jobs From Best to Worst. The average income in the US is RM300,000 per annum. If you are into academics, then an ACTUARY is the 3rd best job to have

But have you ever thought that as an Insurance Leader, you can help more people improve their lives by sharing the Life Insurance business with them?  Imagine that through the Business Opportunity YOU offered in life insurance, your friends, relatives or loved ones will be able to :-

  • Buy their dream car
  • Afford the down- payment for a property that might become a home to live in or invest
  • Make enough money to pay for their further education or education of their siblings or even children
  • Settle all their debts that might have been created earlier
  • Go for holidays all paid for through life insurance contests
  • Get to meet people from all walks of life, because this industry enables one to do so, be it a CEO of a company, an politician, a city council enforcement officer or even a simple housewife
  • Most importantly, have the freedom as to where and when they want to work or the increment they want to give themselves

Money isn’t the most important thing in life, but most important things in life take money. Medical treatment is free, education is free, employment is not impossible to find. But you will agree that having more money will offer you better choices in the quality of education, medical treatment and your lifestyle among others

In our Business Opportunity Presentation, we hope to show you:-

  • The importance of protecting and creating wealth for your clients and also for yourself
  • The terrible financial consequences that people could face due to inadequate financial planning
  • Why creating wealth NOW as compared to LATER is going to make a great difference in the way you live your life
  • Simple strategies, if followed consistently, is going to create wealth for you very easily
  • How you can already be a leader from the day you join the business
  • Why sharing this business with others will be emotionally and financially rewarding

You deserve to give yourself an opportunity to know how this business can improve you life and those around you. An hour of quality time at our presentation could change your life forever.

Other Links On Business Opportunities

Just how much can successful Insurance Consultants earn?

Zurich NTX for New Consultants

Video (9 mins) –  The Parable of Pipeline – why we need to look forward into the future to be continuously successful

Rama Krishnan

RKC Agency

012-3208475

Zurich NTX for New Consultants

Zurich believes in creating an impression that will last a very long time ….. hence we would like to welcome all new consultants to its maiden New Talent Xperience (NTX) program. It is an opportunity for our new recruits to become energetic, enthusiastic and vibrant through our Sea, Land & Air adventures within 12 months of joining Zurich.

An easy strategy of closing simply 2 cases at RM200/- monthly premium (RM2400/- annualized) and in just 7 weeks you would be on your first NTX program

This is on top of other holidays and incentives which Zurich is offering

Call now to find out how you too can, besides contributing to society and becoming financially successful, get to enjoy the adventures of a lifetime!

Rama Krishnan

RKC Agency

012-320 8475

Other Links On Business Opportunities

Just how much can successful Insurance Consultants earn?

How Wealth Creation & Preservation through Life Insurance is FOR ALL

Video (9 mins) –  The Parable of Pipeline – why we need to look forward into the future to be continuously successful

Rama Krishnan


Hospital Admission Cashless Claim

Below are the bills for a 3 day stay in a hospital for typhoid fever: pangastritis (commonly called stomach flu or stomach bug).

Two important points to note here are:-

1) Except for admission (administration) fee, ID hand-band, and laundry, everything else was paid in full

2) A more important observation to make is that the patient is only eligible for a RM200/- R & B.  If you note the first bill, you’ll see that she stayed in a single bedder for 1 night costing RM221.31 which would have caused her to be penalized and she would have to pay 20% of the total bill (about RM800/-)

This was caused because of miscommunication! Upon admission, my client was wrongly advised by the hospital admission, that they had referred to the Insurer and she had to pay 20% of the total bill. So she decided that it was alright to upgrade to a single bedder.

The next day, when I visited her, I was surprised to get this information and I queried the hospital & Insurer. After my feedback, and my client knowing that the co-payment applied only for room-upgrade, she moved into a 2 bedder room. And the Insurer was generous enough to understand the miscommunication and even absorbed the excess in room charges, about RM22/-

Times like this are what prove to be the moment of truth. It is for this type of situations that Insurance Consultants are actually paid. 

Some people are very conscious of  brand name. They believe that famous is best and good. Personally I have come across some famous organizations that work strictly to rule…. follow the system at the cost of speed and flexibility

Others may claim that they may be able to walk into an insurance company and get a policy at a “cheaper rate”. Imagine the above situation where you would really  have to know the terms & conditions of the policy or else you would have lost RM800/-  . Also very possibly, if not in a coma, you would probably be in great pain or very sick and not in a position really think well.

Rama Krishnan

RKC Agency

012-320 8475

Forbes – How America’s Wealthiest Get Rich

Want to be a billionaire? If you follow our World’s Billionaires list, you know there’s no single way to get the job done–you can get rich on energy drinks or yoga pants just as well as hedge funds.

But for those who like to read the tea leaves, we’d point out something that is probably fairly obvious to most: the tech industry is probably the best place to roll the dice.

Technology is now the second-most common way American billionaires made their fortunes. Fifty-one of the 425 Americans on the World’s Billionaires List (12% of U.S. billionaires) are rich thanks to this industry. (Number one is the hodge-podge category of investments, which includes hedge fund tycoons but also a wide assortment of others like Warren Buffett who have interests in a multitude of industries).

More from Forbes

Forbes – The World’s Billionaires

Forbes began ranking the World’s Billionaires 25 years ago. Today the list is bigger than ever and still the definitive guide to global wealth. Explore its 1,000+ profile pages with detailed information on every member of the list. Sign up to follow your favorite billionaire and get news alerts delivered right to your inbox

More Here

Just how much can successful Insurance Consultants earn?

Possible?     Impossible??  Come and discover the theory behind the success and convert the theory into your success story

Calling all people between 20 to 40 years old to explore this industry where life insurance will very seldom be ever bought but always needed to be sold

Other Links On Business Opportunities

How Wealth Creation & Preservation through Life Insurance is FOR ALL?

Zurich NTX for New Consultants

Video (9 mins) –  The Parable of Pipeline – why we need to look forward into the future to be continuously successful

Rama Krishnan

RKC Agency

012-320 8475

Fighting fraud – the FICO way

MALAYSIA’S insurance industry, which has generally experienced a healthy growth rate, is no longer immune to the volatility of the global and domestic financial market.

One of the key and lesser known side effects of such uncertainty is the rising risk of fraud, and criminals who think that they can get away with it.

Sadly, it is the Malaysian consumers who suffer the consequences in the form of higher insurance rates.

Insurance fraud losses are rising in markets across the globe, with insurers experiencing higher incidents of opportunistic fraud as well as premium leakage.

It is said that up 20 per cent of insurance claims have fraudulent elements in them

Leg complications due to Diabetes increasing

This is worse because it usually happens when you are very much older. During my 17 day stay last Feb in the hospital, my bed-mate, about 70 years of age, told me that he had being living with diabetes for past 20 years with no hassle

Only about 1 1/2 months earlier, everything started to go completely wrong, with him losing his right foot, followed by all the complications in the world, kidney, heart, liver, etc

I woke up a week later one Saturday morning at 5am, to see doctors attempting to resuscitate him, but to no avail, Nobody could save him, ….. even his oldest son who is a doctor in a Specialist center

A word of advise to those sitting on it without medical insurance. I have many people wanting to apply for Medical Card but being refused or charged an astronomical premium because they have diabetes. Please do not wait, but get a medical coverage BEFORE you contract a medical disorder

Rama Krishnan

RKC Agency

012-320 8475