About Vonz Kwa

Diploma in Investment

Bachelor in Business (Banking & Finance)

FChFP Module 1 (Professional Designation: Associate Financial Consultant)

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Work Experience

I am a Finance graduate with 15 years of working experience in the Banking industry.  Area of experiences include Treasury, Settlements, internet banking, Credit Card Centre,  Customer Services and IT infrastructure.  I have moved on from the Banking Industry to the Insurance Industry.  I am now an Associate Financial Consultant with NTUC Income.

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What triggers me to have a career switch?

My decision to join the Singapore Insurance industry is mainly influenced and driven by some crisis that I had personally experience through.

The triggering point  - The fall in Oct 2004 at the office which resulted in a chronic upper back pain, has made me lied in bed for 2 months, not able to do anything at all.  This 2 months was the awakening call and made me see through alot of things in life. The first question that came across my mind was : what if i am paralyses? I don't have enough insurance to keep me alive.  I don't wish to be a burden to the family.  And i lost the focus in the meaning of life. Back then, i thought i have bought insurance that i can claim. Who knows, i can't claim even it was a personal accident plan that I have bought.  Then i realised that i do not know much about insurance, just buy for the sake of buying.  This incident indeed shake up my life, make me wants to take charge of my life and my own insurance. Since then i started to learn more about insurance and become a partime insurance adviser.  However, i procrastinate to be a full pledge insurance adviser.

The second contributing factor -  A year later, I was admitted to the hospital for an acute appendicities operation.  I knew that i was covered with a hospitalisation plan and chose B2 ward service.  The bill came out to be $1300 and once again i can't claim due to the fact that it is within the deductibles.  This makes me mad, and trigger my interest to master insurance and financial planning.

The third contributing factor - In May 2007, i was told that my auntie is suffering from breast cancer.  The next thing that i would want to hear is that she can't claim her policy.  Being a cancer patient is already so suffering and who knows her insurance that she has bought was not claimable due to exclusion of her breast conditions which she claimed that she is not awared of.

With these, i finally make a tough decision to have a career switch from the Banking industry to the Insurance industry to be a full pledge Financial Consultant.  I aim to educate people from all walks of life to have a good understanding of what insurance is about, buying the right protection plans based on needs, the importance of wealth protection, wealth accumulation and wealth creation.

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Difficult to get claims from Insurance Companies in Singapore?  Insurance Companies don't payout the claims...is it a myth?  Check this out...

My Claims Experiences with NTUC INCOME in Singapore

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Inspiration quotes

When u think of the things that you want, and you focus on them with all of your intention, then the law of attraction will give you exactly what you want, every time.

By Lisa Nichols

The four levels of Wisdom

The man who knows and knows he knows, is wise. 

Follow him.

The man who knows and knows not he knows, is asleep. 

Wake him.

The man who knows not and knows he knows not, is a student.

Teach him.

The man who knows not he knows not, is a fool.

Shun him.

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