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Make Your life matterDiscover Life InsuranceLife { Insurance } Matters

Make Your life matter

Is your family protected from unexpected? Do you have a secure retirement plan? What legacy will you pass on to future generations?

Discover Life Insurance

We are independent life insurance professionals. We have experiences and knowledge to make your life matter.

Life { Insurance } Matters

Make Your Life Matter

About Me

I am an independent life insurance agent. Unlike company agent, I am not royal to any insurance companies and have no quota to fulfill. I am specialized in designing policies for cash accumulation, retirement and education funding purposes.

Do you want to

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Latest Posts

Is life insurance too costly for cash accumulation?

March 5, 2017 | No Comments

One common argument against cash value life insurance is that policy return is negative in the first few years. It is true that fees and commission are front loaded. For cash accumulation purpose, a blended cash value policy from a Read more »

Cash or Loan

September 25, 2016 | No Comments

The Decision

Cash or Loan decision is a common everyday situation.  Should someone pay cash for a TV that costs $1000, or loan which charges $50 interest for a year? It really comes down to how people value their cash. If you think paying cash is Read more »

A 500 Plan – Savings Plan for Future Millionaires

August 17, 2016 | No Comments

Who Wants To Be A Millionaire?

In the popular television game show, Who Wants To Be A Millionaire, contestant must answer all 14 questions correctly to become a Millionaire.  The show has fascinated many Americans for more than 16 years. Read more »

Many Benefits of Permanent Life Insurance

July 26, 2016 | No Comments


Permanent Life Insurance is a conservative asset class and should be an integral part of financial portfolios of middle income families. Properly structured high cash value permanent life insurance offers many benefits to policy owners and their family.

  • Tax deferred cash accumulation
  • Cash value growth Read more »

What is the best life insurance product?

July 26, 2016 | No Comments

I was often asked: what is the best type of permanent life insurance, Whole Life, VUL, IUL, or GUL? Which insurance company has the best product? Nowadays people are so tuned in to comparison shopping for best product with lowest cost. These are Read more »

Is Life Insurance a Good Investment?

July 16, 2016 | No Comments

It depends.

Pure life insurances, such as Term Life or Guarantee Universal Life, protect against lost of life either temporary or permanently, carry no cash value. These are the basic form of life insurance. They cost money to gain protection. They Read more »

Permanent Life Insurance vs Real Estate – Part II

July 9, 2016 | No Comments

PLI  vs RE Part II


Scenario 1

John has finally paid up the property after 10 years saving and 30 years’ upkeep, while Murphy made 10 premium payments, and has waited for 30 years.


John’s rental income offsets mortgage payment, tax, insurance and Read more »

7 Years

June 27, 2016 | No Comments

While I drive my 10-year-old son between activities, I often have old school FM Radio on. From time to time, my son would say to me, “Dad, this is my favorite song”. Lately, it has been consistently  “7 Years” by Lukas Graham. If you haven’t Read more »

Permanent Life Insurance vs Real Estate Investment

June 21, 2016 | No Comments


Two friends, John and Murphy, are healthy 30-years old. They decide to come up a plan for retirement. John wants to buy a real estate investment property, Murphy chooses to start a cash accumulating PLI.

John first must save up Read more »