Today, I chased after a woman, but she bolted off just about when I almost reached her

Wait! Wait! Before you get the wrong impression, I am not the one or of the age either, to run after any women, but a happily married man with 2 wonderful kids.

Let me start my story again. Today was the second day in my attempt to get fit again with my morning walks. Three days earlier, going round in circles in the park near my house, I managed to brisk-walk about 1.2 km in about 15 minutes. Today I intended to spend the same time, but cover a greater distance.

As I started my walk, I noticed a woman keep a fairly good pace across the field. So I decided that I would call it quits AFTER I managed to catch up with her. I managed a good pace, slowly but surely catching up with her. Just as I was a few meters behind her, she suddenly exited the park, got into her car and drove off. I was so focused in wanting to catch up with her, that all of a sudden, I was a bit lost as to what I should do.

Anyway, cut the story short, I managed to cover 20 mins today and covering a distance of 2.5km

Why this story? Well, 2013 is closing to an end, to herald in a new 2014. And it also a time when we set goals and hope for a better year compared to the earlier years. Goals are important if we want to be in charge of our destiny, otherwise we would most probably live our lives being victims of anybody or anything.

Some pointers from my story

1) Goals help you know

    • WHERE you are now and where you want to be,
    • WHY you want to be there,
    • WHAT you need to do to arrive there,
    • HOW you arrive there and know
    • WHEN you have arrived there.

If I didn’t set my mind to catch up with her, I would have done a poorer pace

2) Although goals are set, we need to be flexible at times, to adapt to new circumstances facing our plans. The woman disappeared suddenly, I just continued on another circle and stopped, knowing that I had achieved more than expected for the day

3) I think the most important lesson here is that, knowingly or unknowingly, we affect other peoples’ lives for good or for worse. Unknown to her, she actually helped me perform better today in my fitness program today. Question we need to ask is, how much we are affecting other peoples’ lives, be it friends, family or even strangers. Is it for better…or is it for worse?

I think the biggest issue we will face coming year will be the rising cost of living, be it fuel, electricity, tolls, etc. We can either focus on cutting costs to live within our means, or proactively work towards generating greater income for ourselves to enjoy a better quality of life

Financial planning, investment planning, insurance planning or however you may wish to approach it, offer opportunities for those wishing to enhance their quality of life in insurance selling. It also enables us to improve the lives of our clients through protecting their assets and increasing their savings and investments, ultimately assuring their quality of life

Zurich Insurance Malaysia is a global insurer, wishing to increase their presence to the Malaysian public. This is very obvious in the various branding campaigns that are ongoing now. It is a wonderful company that is sparing no effort in creating quality Sales Advisers and superior Products. The following press release also shows why insurance is the way to go

Contact me to know how you can better your life and those who matter to you with Zurich
Rama Krishnan
+6012-3208475

“…..Given the country’s strong economic growth, life insurance premiums in Malaysia were set to grow 5.4% in 2014, compared with the global average of 3.9%, Swiss Re said. — Reuters”
More Here

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Wise Words

Some words of guidance are to be taken with a pinch of salt. For clear and precise guidance on life and medical insurance, contact Zurich the expert guide on insurance for 140 years.

Zurich, putting the ‘sure’ in insurance.

Rama Krishnan

+6012 320 8475

Our Principle, Zurich’s, Fact Sheet

Money makes the world go round

“The Beatles sang “All you need is Love” during the hippie era but then they didn’t just survive on love. When they released the hit song in 1967, they had already made their millions.

For celebutante Paris Hilton, money and happiness seem to come in one package. The Hilton heiress once famously declared: “I get half a million just to show up at parties. My life is, like, really, really fun.””

Read Full Article here

San Franscisco – 30th Summit Contest

Year 2012 marks a new beginning of our long and eventful journey with Zurich and we like to extend an invitation to you to fly with us to San Francisco through our one and only 30th Summit Club Convention

Visually, San Francisco is a postcard-perfect city, its hills facing a calm bay. Many visitors say the ci{v’s beauty was the best part of their visit. Other often-cited characteristics are its excellent restaurants, vibrant arts scene and outdoor recreation. If you like gorgeous surrounding, shopping, arts, architecture and great food or if you just want to SEE all those things you’ve heard or read about..San Francisco may be the place for you.

Come on, there’s more to life than San Francisco Steakhouse only. Come and experience the best of San Francisco with Zurich!

Rama Krishnan

RKC Agency

012-3208475

Email: 1myzurich@gmail.com

See also GO HANGZHOU contest

GO HANGZHOU contest 1st April ~ 30th August 2012

Hangzhou, the “Paradise”.

With a colorful history and culture spanning over 2000 years Hangzhou has made its name as one of the more popular tourist attractions in China. In ancient times, the Grand Canal between Beijing and Hangzhou opened up and connected trade and economy. The royal family once moved here during the Song dynasty. It is a city with not only beautiful sceneries but also historical stories and traditions. For a long time, Hangzhou is the get-together of artists, poets, calligraphers and painters.

Are you seeking a place named ‘Paradise’ or a place known as ‘Heaven on Earth’? There is no better answer than Hangzhou. As Marco Polo describes it, Hangzhou is “beyond dispute the finest and the noblest in the world”.

With this, we have built a gateway for you to experience this ‘heaven on earth’ by simply qualifying for the ‘GO HANGZHOU‘ contest

Simple… Just be diligent in introducing  about RM2oo/- monthly premium cases x 2 PER WEEK and in about 4 months, you would have qualified for the FULLY PAID HOLIDAY!.

And the best news is the same production can be used again for the Summit Contest to San Fransisco. Hurry and join us now! Don’t let Hangzhou slip away!

More on Hangzhou

Rama Krishnan

RKC Agency

012-3208475

Email: 1myzurich@gmail.com

See also San Franscisco – 30th Summit Contest

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

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