Steven Sit Poh Sang

MDRT Financial Services Consultant

Steven Sit Poh Sang

MDRT Financial Services Consultant

Positive & passionate about leading a healthy lifestyle. Love nature and the beauty of Mother Earth.
It's an unyielding motivation to excel that helps build wings & make dreams come true.

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- I don’t just Plan with you I will walk, hike, run, cycle with you cos Health is Wealth
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Newsletter Issue 94: Cultivating a Grateful Heart

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

你知道我在等你吗？

Hi 您是否还在寻找靠谱的保险顾问？,

认识保生有大概一年的时间。经过一番查询之后，我决定让保生负责我的员工福利，团体保险项目。

保生总是有办法秒回我的信息，而且在处理我的保险申请时也非常专业。

保生在售后服务这块也很尽责，有关保单的利益用法，设置保单的电子账号和理赔的事项，都讲解得很清楚。他即使人在外地，也可以在最短的时间内，安排同事和上司，和我所有员工会面，讲解团体牙科保单的用法。

非常开心能找到薛保生来担任我的保险顾问。

Regards,
CEO Clove Bridal Studio Fiona 刘祖彤

Something ‘scary’, Who you gonna call?

I first got in touch with Steven many years ago, when I only just started working and was looking for basic, affordable insurance coverage. Despite being admittedly a very small client, Steven still treated me with care and respect, attending to my many questions.

Many years later, when I had an emergency at work and had trouble getting hold of my existing corporate health insurer, it was Steven again that I turned to. Even when he wasn't our insurer, he answered my every question and called frequently to check in on the situation. He helped to scan our existing policies and advised me on the options that were available and how to proceed. Eventually we made the choice to switch our corporate health insurer to AIA, under Steven's care.

Now that I am starting a family and looking to invest in life insurance and critical care coverage, I know once again that I can trust Steven to give me fair, reasonable advice on what to take up, based on my needs and abilities. I feel like I can select products and options that are most suited for my needs, with Steven's advice.

Thanks Steven for the wisdom and companionship over the years, you have made such “scary” life matters a breeze!

Nguyen Xuan Ngoc Hoa

My fellow Signaller/ Friend/ Buddy

I vividly remembered the moment sometime in May 1993, when I was first introduced to you in amongst all the trucks and other fellow servicemen and especially those in your command.

When you spoke to them, I sensed your care for them without compromising your task. When your guys echoed their "Yes, Sir", I felt their confidence in your leadership.

29 years later and that's now, I am very happy that I have got a friend in you and you as my trusted advisor for insurance, investment, and retirement matters. I am glad that with your advise on all matters, I will be comfortable and even healthy to enjoy my years ahead and with you as my fellow Signaller/ Friend / Buddy.

Thank you, Steven.

Siok Hock, your fellow Signaller/ Friend/ Buddy

My Insurance ‘Uncle’ whom I can relate well

I didn’t have any insurance primarily, until I was introduced to Uncle Steven by my close friend.
He is a superb agent, recommending a few starter policies that best fit my profile. He has been patient in advising me and accommodating to my budget as I was slowly extending my insurance package. Likewise, he is very prompt in sharing some of the latest promos or rebates which I especially enjoyed 😆
I am grateful that he is my first and trusted insurance agent, who is Always In Action!!
Cheers to many more years of excellent service and client-planner relationship, Uncle Steven 😊

Yani

My Fitness Coach & Trusted Advisor

I got to know Steven through a mutual friend back in Nov-2019. Being a foreigner new to Singapore, Steven warmly welcomed me into his weekly hiking sessions at Bt Timah Forest Reserve. Since then, we have been religiously 'conquering' Bt Timah hill. More recently, we even extended our hike to start from MacRitchie Reservoir. Steven's motto is 'What is impossible today, will become warm-up tomorrow', and he truly believes in this!

Separately, I have also grown to trust Steven with my insurance needs. Being new and alone in Singapore, I knew that having appropriate insurance coverage is paramount. Steven was very detailed and thorough in his briefing sessions and provided me coverage options that suited my needs. No pushy sales or pressure. I would strongly recommend Steven to anyone looking for an experienced, authentic and straight-taking insurance advisor.

Pak-Tjun Chin

From Health planning to Wealth planning

Steven was introduced to me by my close NS friend, Paul.
We met through the mutual interest of cycling and trying to keep fit and healthy.
It was through a mutual cycling trip to Japan in April this year that we got to know each other better and where our friendship blossomed.
You can suss out a character of a person when you have to eat and share a room together 😊
Through this memorable trip and many more cycling excursions, he has shown to be dependable, trustworthy, witty and knowledgeable.
I have come to regard him first as a friend, then my insurance agent.

Steven does not sell policies for the sake of earning a commission, but he gets to know his clients first and then recommend policies that are suited for them during that particular stage of their life.
There was no pressure at any time and I felt that the whole policy transaction process was smooth and done very professionally.

I have no hesitation to recommend his services to anyone looking for a professional financial adviser to meet their needs.

Alan Teoh

Our family flash advisor

I have known Steven for almost 2 decades and have seen him grow over this period. His success can be mainly attributed to his high level of professionalism, his impeccable customer service and his constant availability. He knows my family profile, has been recommending products that suit my needs based on family members, age, etc and does not coax me into unnecessary sales.

Every product he has recommended to me has yielded me benefits over time. The one aspect that definitely needs to be called out is his availability. After all these years and his personal growth in the industry he is available within seconds of sending him a message. Whether we are traveling or he is, I have never had to wait for a turnaround from Steven. He always maintains a very friendly, yet professional interaction and goes out of his way to build a relationship with my family. No matter how trivial the question, he maintains a high level of patience to guide my family and me to the right outcome.

In spite of all this he somehow manages to maintain a very healthy lifestyle. Not only does he do this for himself but he has a special gift to influence and has made my family more involved in running, trekking, etc towards staying fit and healthy.

I would recommend Steven to anyone without an ounce of doubt. His attitude, professionalism and friendliness is unparalleled.

Harsh Verma Executive Director JPMorgan Chase & Co

Meet my rare agent

Ever since Steven took over my family's insurance affairs, our insurance coverage has not only gotten better, it has also gotten cheaper!

Steven is one of those rare agents who genuinely strives to put his clients' welfare before any other considerations. Over the years he has displayed impressive patience with us, explaining all the details of various policies, and going the extra mile when needed. And with all that, Steven has become a friend I enjoy spending time with. I am looking forward to continuing to work with Steven for a very long time.

Chris, Business Owner

Meet my Life Coach

This is a long overdue note to a fantastic individual.

I know Mr Steven Sit for more than 20 years when we were both in same military NS unit. He was already in the early success then and he led an extravagant lifestyle at that time.

Therefore it was not surprising that he barely made it in the annual fitness assessment and I remembered laughing at him sarcastically.

Well, he has since transformed into a big enthusiast in wellness activities (ask him for the pic full of run event medals) and more importantly, with a transformed personality.

Through the engagements at personal and financial planning levels, Steven is always a call or a text away. He is passionate in life and always shared the best and relevant products with those he connects. There is no selling, just sharing.

In a complex situation, I remembered telling him I shall take it up with his management as I fully aware it was beyond him but he still represented me to escalate till a closure.

Steven’s transformation is an inspiring and good learning model to me. I have benefitted a lot by applying his philosophy of “Law of Attraction”

Have a chat with Steven! He is my friend, my life coach and by the way - he is my financial advisor!

Thanks Steven!

Ching Eng

Probably the best Advisor I have found

Steven has always been amazing!
I am so happy and grateful that I was recommended to him as my advisor for my medical insurance needs.

He has helped me to understand and ensured I had the best plan with the right coverage that’s suits my needs and budget.

When I fell sick and was hospitalized, he answered my queries promptly & also made sure everything is covered by my plan! I can't tell how secure and cared I felt, as I was alone in a foreign country with none of my family members around then.

I can’t imagine switching to another advisor. Steven is probably the best insurance advisor I could ever find as he has gone above and beyond in his customer service!

In a few words, Steven is phenomenal!
Responsive, attentive to my needs, and professional! Couldn’t have asked for anyone better. Love the service and I highly recommend him.

Herta Monica Montesino Cucos (MBA LLM), Corporate Development Manager, AMITY Singapore

Thank you, Steven!

I have known Steven for over 20years and I am glad that he is still in this profession.

Steven has always been on the toes whenever I need his assistance and advice on my policies. His patience in helping me to understand on each of my family policies (keeping up-to-date on the coverage) is really amazing!

I can always count on him whenever I have problems or trying to recap on the coverage of each of my policies. He answered to my queries promptly and his advice for the emergencies we faced in Europe recently was just beyond my expectations!

Steven is the best insurance advisor that I ever had and I couldn’t have asked for anyone better. I definitely and highly recommend him to someone that really need help on the right coverage that suits their need and budget!

Steven, my brother, you are truly the best la!

Yanti @NTU

在AIA结交的贵人

Hi 如果你们还犹豫不决,

很高兴能够认识Steven。能够让他为我的人生做一个好好规划也是我的荣幸！当我孩子发生交通事故，遇到关于保险问题时，他都能够在第一时间出来为我解决一切关于保险问题，专业负责的态度让我非常感动！

衷心祝愿Steven新年快乐！幸福吉祥！

Regards,
Jasmine Song, Director Victorious Arts Pte Ltd

In Good Hands

Hi All Out There,

Steven was recommended to me by a work colleague, when I moved to Singapore about 2 years ago.

Admittedly, before meeting Steven, I had trouble finding an insurance consultant that was able to provide me with, what I believed to be, good unbiased advice.

His friendly approach and knowledge of the insurance terms convinced me to work with Steven straight away. Steven is very professional and always on hand to assist with any of my enquiries. His attention to detail is a great asset and he will go beyond the call of duty to help his clients.

Most importantly, having Steven take care of my insurance needs gave me peace of mind which is something I cherish dearly. You know you are in good hands with Steven!

Robert Voelzer

Regards,
Legal & Claims Manager AAL Shipping

Our Amazing Agent

Steven is an amazing agent with great character. He is professional, a good listener, extremely patient and trustworthy.

It's his personal touch that sets him apart from others. He would put in extra effort to get to know me and my family personally so that he can offer us the products and coverages that specifically suit our needs and budget.

He is very helpful and always available to answer any questions or make any changes regarding my policies.

I would highly recommend him to anyone that wants a professional who takes his work seriously.

Mr Stephen Thng
Trainer & Assessor in bricklaying at Skills Australia Institute

A Planner who’s always there to help

When I wanted to apply for an insurance in 2020, I had zero knowledge and understanding about how insurance works then and what type of insurance will benefit me.

After knowing Steven, he cleared all my doubts, helped me understand better about my protection & savings needs and recommended policies which help me while ensuring that the solutions suit both my needs and budget.

Overall, Steven is a good agent who will is always prompt when I have any queries or need his help.
Thank you for always being there!

Tasnim, Healthcare Professional

Meet my trustworthy advisor

Steven is the most trustworthy, professional, passionate, and friendly agent I have ever had the privilege of meeting.
He’s detail-oriented, responsive and always go the extra mile to take care of his customers’ interest and needs.
I truly appreciate his wonderful service and would highly recommend Steven to anyone without hesitation!

Erica

Our family friend

Steven was introduced to me by my good friend. Other than polices bought when I was a child, Steven handles all my policies.
I trust in his professionalism, and in his advice with regards to policies that I may need or may be interested during different phases in my life. He does not sell policies for the sake of selling, but truly wishes that his clients are adequately protected so that they can enjoy life without medical or retirement worries.
Over the years, he has become more than just an insurance agent. He is someone I can call upon in times of need.
Thanks for being there for me and Kenzo 🐶.

Vicky Chua

Steven makes a difference

Steven became my trusted agent recently, and after a long process on my side.
I value independent, unbiased advice, and I had long sessions with him sharing on my needs, his understanding, the different products he could offer and so on, and I eventually decided to entrust him with part of my financial planning.
Thank you Steven for offering good and neutral advice, that makes a difference. I know I am in good hands now.

Frederic

Meet my genuine Consultant

I’ve known Steven for over 10 years and he is truly one of the more genuine agents I have come to know.

He will always put his clients interests before his own as he offers his professional advice base on what the client needs and never for his personal gains only.

He cares for his clients and always makes a point to set appointment at the clients’ convenience. The special efforts he is willing to put in for his clients is something you certainly don’t get to see everyday.

Steven is not just a good agent, he has also become a good friend. He is always encouraging his clients to have a healthy and balance lifestyle, choosing to bond over a glass of wine occasionally.

I will definitely recommend Steven to anyone who’s looking for someone who goes beyond his call of duty and cares genuinely as a friend. 👍🏼👍🏼

Michelle Ong, Business Owner

My Senior, My Friend, My Trusted FSC

Steven is my senior in the Welfare Services Club where we served as student volunteers, my friend and my trusted Financial Services Consultant.
I have known Steven for over 20 years. His professionalism and attention to details is why I have entrusted him with my family’s insurance coverages.

Steven is always just a call away when you need him. With Steven, you will never need another FSC!

Liew Boon Yeow, Senior Manager NXP Semiconductors (S) Pte Ltd

My one & only trusted consultant

I met Steven 18 years ago, introduced by a mutual friend.

Since my first policy in 2002 he has been my only life insurance agent because there is no other agent I would want to go to.

Steven's wealth of experience and knowledge, together with his sense of empathy and compassion to help others, makes it easy for him to custom-make a financial plan that is most suitable for me. I really appreciate him for that.

I trust that he will be doing this for many years to come because he is constantly doing his best at what he does!

Anna Ku, The “Zoo Keeper”

Meet my thumbs up Advisor

Hi All Out There,

Steven is very professional, patient and helpful.

He is tireless. Always willing to explain and answer questions pertaining to my queries and claims.

Steven treats his clients like good friends, always go that extra mile when help is needed most.

Really appreciate your friendship.

Thumbs up to Steven!

Regards,
Jane Law

Our Highly Recommended Advisor

Hi All Out There,

I have come across many financial and insurance advisors who fade away after time. So much so that when you are in need, they can’t be found.
Steven on the other hand is a person who is dependable. He is an energetic person with trustworthy character. He is always attentive and prompt. Never failed to answer phone calls or respond texts even when he is on holiday.
Thank you Steven, for helping on my sister’s case. She would have a lot more to worry about if it is not for you.
I highly recommend Steven to anyone looking for quality advice and impeccable customer service.

Regards,
Hway Sang

Our trusted friend and agent

Hi All out there ,

My family have known Steven for many years. He is a trusted friend who has walked along with us , seen our children grow along the years.

As a professional, he listens, advises and provides consultation calibrated to our family needs. He is diligent and always prompt in processing our claims.

Thank you Steven for being there whenever we call and I look forward to your support for many years more to come.

Regards,
Edmund Chua Deputy Director DSTA

In Steven we Trust

I met Steven many years ago and have seen him grown into a highly successful professional because he believed in his cause.
He is highly diligent, humble and caring. He also later became my family insurance consultant and a family friend. Steven is highly professional and his belief on why he is in the profession resonates with me, the reason why I trust him completely and will not hesitate to take his advice as I know it will be to my family’s interest.
He is contactable wherever he is and his level of commitment to clients is indeed commendable. Never once have I doubted that he will respond swiftly whenever I have a difficult question for him – and he always will have an answer almost instantaneously.

Theng Soo Ting

Meet my helpful agent, Steven Sit

Hi All out there,

I know Steven through my brother.

I have never expected nor believed that I can find an insurance agent who is both helpful and able to provide me with sound advice to my insurance needs until I knew him.

He is very patient and able to provide very clear information to us.

He is always so helpful whenever my family and myself need any advice or clarification on our insurance matters even when those policies were not bought from him.

Thank you Steven!

Regards,
Iris Thng, Manager DEFCON MARKETING AND ENGINEERING PTE LTD

My personal Financial Advisor

I met Steven when I was an underwriter in AIG more than 10 years ago. During that period, he was not my appointed Life agent yet but I was impressed with his proactiveness and diligence. Subsequently, Steven was appointed as my personal agent. Steven continues to be an impressive financial advisor. He also extends his assistance as a personal friend. He is a trustworthy agent and friend, a person whom I would definitely give a "thumbs up."

June Ang, Director AON

Peace of mind with you, Steven

Hi All out there,

Steven has been our family insurance agent for the past few years.

Not only he's very professional and knowledgable with our portfolios, he is also helpful and did an extra mile to assist and advice when we needed help for our other families member's policies.

We have a peace of mind to have Steven as our agent as we know he is always there when we needed him.

Thank you Steven !

Regards,
Christine, Business Owner

Meet my "Secret Agent"

Hi All out there,

Steven has been my "Secret Agent", trustworthy consultant and sincere friend for decades. He is the most reliable financial advisor I know.

He is prompt and professional in delivering his service. I can just reach out to him on my insurance matters anytime and be assured of receiving sound advice. He cares about his clients!

So blessed to having him to take care of my insurance matters!

Regards,
SAL

My professional consultant

Steven is a very professional and patient insurance consultant who takes pride in providing his best effort advices to his clients.

Iris Ang, Group CFO

Someone who's always there for you

Hi All out there,

I have known Steven for many years and through different phases of life he's been a trusted friend and professional who listens, advises and provides top notch consultion over my personal financial planning via an array of AIA products.

Thank you Steven for being there whenever I call and I look forward to your support for many years more to come.

Regards,
William Ang, Executive Director Human Resources

An Agent who deserves his F.A.M.E.

Hi All out there,

What struck me when I met Steven was that he was Friendly, sincere and warm. He would clarify any doubts I had and was Assuring.

Over the years when claims had to to be made, he was also Meticulous in ensuring that I was well taken care of and would follow up closely on the process. In short, he's Excellent in his work and his passion to give the best to his clients is evident.

So, if you have not spoken to this Friendly , Assuring , Meticulous and Excellent family agent of ours , you should.

Regards,
Language Coach & Property Consultant

My family trusted agent and friend

Hi All Out There,

Steven has been the most trusting, reliable and competent agent one can have.
Our friendship of over 20 years started from my very first life policy. Since then, Steven has been a trusted family friend within my circle of extended family and friends.
I know I can depend on Steven whenever I needed help and advice. He is always ready to listen and attend to my queries. Recently our family underwent a challenging time when my mother suffered from a stroke. Steven has been very patient in supporting and explaining every step to us, from hospitalisation, transferring to community hospital to post hospitalisation care.
Our family and I really appreciate Steven's friendship, care and concern, and the professionalism he displays during his work. We are indeed blessed to have met and know Steven.

Regards,
Anna Neo

My Super Agent

Hi All Out There,

On a chance encounter, Steven was an agent recommended by a good friend of mine. She spoke about his professionalism and good service rendered.

Through his assistance, he walked through my recent bereavement claims. He was compassionate, kind and most helpful.

His passion and dedication towards his clients is evident in his work. Detailed yet relatable when he explains the financial jargons behind the various insurance instruments.
He has shown genuine concern and care. Much appreciated ！

Regards,
Yannie Yong

My Trusted Agent

Hi All Out There,

I have a strong recommendation for Steven Sit if you are looking for a personal financial consultant or any advice related to insurance counseling.
He is committed, knowledgeable and reliable. He is always contactable and ready with any answer if you needed to check on your policies. No hassle, no waste of time and he is always there for you.
My first policy back then in 1992 and more through the years till my recent policy were all well managed by Steven, my trusted agent!

Regards,
Mei Mei apj Regional Sales Compensation Enablement Manager, Hp Inc

My responsible agent

Hi All Out There,

Steven is a very responsible agent with integrity. Client-centered, he seeks to understand the client needs before recommending a product.
He will tirelessly explain clearly and allows clients to clarify, as well as give them critical information.

Regards,
Educator, Ministry Of Education

My awesome Financial Services Consultant

Hi All Out There,

I used to work with Steven in 2013. Out of the hundreds of Financial Services Consultants I've worked with, I feel most comfortable working with him.

Product knowledge, field experience and prompt response is what I get from him all the time but most importantly, he is SINCERE about his approach and I look up to him as an older brother who has positive impact on the people around him.

Stay awesomely STEVEN 👍🏻⚡

Regards,
Nicholas Chow, Business Development Manager

Our First Class agent

Hi All Out There,

Steven has been serving our family very well for over two decades with savings, life, health and accident policies. Over this time, his attention and care has been first class.

Thankfully we invested early via Steven and the entire family is now sitting on valuable policies with high cash values. They represent a solid foundation for retirement and an excellent head start in saving and coverage for our two children.

I expect our relationship with Steven to continue. We are most pleased.

Regards,
Tomas A Norton

Meet our "Tok Kong" agent

Hi All Out There,

Steven has been a true professional in handling my family's insurance and financial planning needs.

In the last 2 years, we had 2 accidents with our children and desperately turned to Steven for assistance. During both occasions, he was there to assist us throughout the journey, accessible at all hours of the day and provided us professional guidance and advice.

Most importantly, he showed genuine care and concern. I guess at the end of the day, such authentic and genuine display of human emotions are the key reasons why we have been his clients since 1990s.

Regards,
Carol Chua Foo, Adjunct Lecturer, Republic Polytechinc

Thank you for the service

Hi Steven Sit,

Thank you for the service and help you’ve rendered all these years.

One of the more detail-oriented and responsive insurance professionals I’ve come across.

Professional, prompt in response and unfailingly diligent. Steven has been a trusted and reliable source of knowledge, quick to help customers like myself navigate the complex and fairly technical aspects of the insurance claims process. This has freed up my time and lessened my worries when it comes to the tedious administrative burden – truly appreciated!

Regards,
Nicole Lee, Scotiabank, Accountant

Our Capable Insurance Protector

Hi All Out There,

Steven is the person you want to trust your important insurance and financial related matters in because he ensures he understand your needs and requirement and provide a solution tailored to your needs.
As an insured person with AIA , as well as my parents, what you want is someone to provide AAA Service and always there for you at a press of a button. Steven is this capable protector of yours.

Regards,
Patrick Sze, Regional Sales Director, Apj, Elsevier

Meet my G.E.M. Agent

Hi All Out There,

No policy too small. No effort too big. Someone who Goes the Extra Mile G.E.M. to ensure you are adequately protected. A committed agent who takes care of his client well being. Thanks for the effort! Much appreciated.

Regards,
Cynthia Goh

My highly recommended Advisor

Hi Eve Teh,

Steven is very dedicated, efficient, prompt, knowledgeable and committed to his service.
When I have doubts or need advice, he's always there. Thank you Steven, for making my insurance experience a stress-free one!
I will highly recommend Steven to assist you with your insurance needs.

Regards,
Michelle Ho, Associate Director, Colliers International (singapore) Pte Ltd

My family insurance adviser

Hi All Out There,

Steven has been my family insurance and financial adviser for more than a decade and the level of service, knowledge and professionalism we received from him is unparalleled.
He is attentive to details and very patient to take the extra miles to explain the different options and make excellent recommendations to my family so we can have an all rounded coverage.
His service is customized and very personal especially to one that is unfamiliar with the insurance procedure. I’m convinced through the years that he is not out to make quick and easy money but always has our interest in his mind.
Unlike some others who try to push their policies to you, he lets you decide at your own pace.
Thank you very much for the great service, Steven.

Regards,
Lye Seng Kai, Executive Director, Totex International Limited

我们的优质保险顾问

Hi All Out There,

嗨 Steven！

感谢您一年来在保险方面给予我的优质服务！⭐️⭐️⭐️⭐️⭐️您总是那么耐心、细心地向我解释保险的每一项条款，当我向您征询保险方面的建议时，您总能提供给我最中肯，最适合我的保险建议。不管有何种疑问，您都第一时间上门服务。
您对于我及我的家人来说，不仅是保险经纪，更是一个值得信赖的朋友，和您的相处永远都是那么愉快的。您热爱运动、积极向上的生活态度更鼓励了我们，让我们更加关注自己的健康，关爱自己的家人！
保险是终身的，友谊也是一辈子的。感谢你的一路相伴！

祝好！

Regards,
李伟老师，圣安东尼女校

An unusual trekking experience

Hi All Out There,

I bought a simple Travel Insurance from Steven as I was going on a Everest Base Camp trek.

I was totally impressed by the level of commitment and service provided. I had to be evacuated on the way down after a fall. As we had to contact AIG for approval for the medical evacuation, I messaged Steven and his response to my questions were quite immediate, giving me the necessary numbers and items claimable each time a message is sent.

This no doubt helped me to get the necessary approvals quickly and I was evacuated within 24 hours. For a small value policy, Steven has shown that he has his clients' interests at heart and can be trusted fully. He is definitely someone whom I would consider as my financial adviser.

Regards,
Loh Soi Min

My long service Agent

Hi All Out There,

My first policy was bought from Steven, 20 years ago. I think the most important thing is having a responsible and reliable agent to be in the same trade and Company is not an easy thing. However, I am glad that he is still in the industry working and servicing my policies. Steven knows his work well and is willing to give valuable advice on what is needed.

It is not just selling policy to his clients. Instead, he treated his clients as friends and this make the working relationship merrier.

Regards,
Stella Poh, Executive Secretary Hup Soon Global Corporation Pte Ltd

My 5-Star Consultant!

Hi All Out There,

Steven has been providing excellent insurance counseling and advice for my family and I for years. He is very knowledgeable in his profession. He is patient in explaining the details and answering questions pertaining to our insurance needs.
On a personal note, Steven treats his clients as good friends too. He organizes regular healthy activities like cycling, running, and encourages his clients to join in so as to keep a healthy lifestyle and at the same time to network. In fact, many of his clients are now my friends too.
I would highly recommend his services to anyone who is looking for a 5-star Insurance agent.

Regards,
Lai See Siong, Thermo Fisher Scientific, Director, Manufacturing & Process

Steven Sit Poh Sang

MDRT Financial Services Consultant

Steven Sit Poh Sang

MDRT Financial Services Consultant

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