25/05/2026
This is what I call “Professional”.
What defines an expert?
Some people say, a true“professional” person usually has these traits:
1️⃣ Doesn’t waste time
2️⃣ Gets straight to the point
3️⃣ Always has a solution
Recently, someone shared with me an experience of what was described as “Professional”.
Flavours changed when the seemingly Professional act:
- Entertaining client in a “high-class” settings.
- Taking notes by a lady personal assistant
- “Active listening”
- Avoiding small talks
went beyond the scope of work; financial advisory.
To the extent—
- Clients with pre-existing health concerns,
- May also have the opportunity to bypass underwriting through “special solution”.
o Mysterious little pills that supposedly can “help improve underwriting outcome”.
When I got to know about it, my first reaction wasn’t shock.
It was more of:
Does clients know what kind of deal are they taking on?
Insurance underwriting has always been built on the core principle:
full and honest disclosure.
If anyone tries to make the results look “better” by influencing test outcomes, or worse,
consuming unknown medication without doctor’s recommendation…
What happens if a claim occurs in the future?
Where insurers start reviewing medical history, test records, and medication history—
It is then client realise that:
- Their efforts in trying to get successfully insured back then, may have unknowingly exposed themselves to future claim disputes or even claim rejection.
- Worst still, what are the side effects of taking unknown medication?
- 20 years down the road, will the Professional still be around?
Realistically, if anyone is so brave to mimic Shen Nong (Divine Farmer), why are they not brave enough to accept the underwriting outcome?
What may “work” in the near term, may come back to haunt later; e.g Health consequences.
Who will be the one paying the bill?
Even more importantly—
- Adjusting body indicators
- Influencing medical results to work around underwriting guidelines
- Subjecting clients to future consequences
I do not know if professionalism is about looking nice above table but doing SHxT underneath.
It’s when questionable practices are packaged and sold as “professional service”.
So here’s the question:
1️⃣ If you are an industry practitioner,
What are your thoughts on such the story above?
Have you ever had clients sharing similar experiences with you?
2️⃣ If you were the client,
Would you take such a risk just to improve your chances of getting insured or to get a cheaper rates?
Curious to hear your thoughts.
Leave a comment below.
Disclaimer:
1. This post reflects personal opinions and general discussion only.
2. It is not directed at any individual or organisation.
3. All examples referenced are anecdotal and unverified.
4. Insurance applications should always be based on truthful disclosure and compliant practices.
