About Us

AIA Financial Services Consultant

SP-VictorLim

Authorised representative of

AIA Singapore Private Limited (Reg. No. 201106386R)

I attended the National University of Singapore where I obtained my honors degree majoring in real estate in 2002. Having an interest in real estate coupled with a developing interest in financial planning & management then, helped spurred me to undertake courses concurrently to further my understanding in these areas.

Arising from my interest in financial planning and management, I began my journey as a financial planner with AIA in 1999 in the first year of undergraduate studies. I am also a Certified Financial Planner with the Financial Planning Association of Singapore since 2008.

I believe that an approach of understanding and recommending products targeted at clients’ prioritized needs done on a regular basis will help forge good faith, rapport and trust with my clients.

AIA Financial Services Consultant

SP-VictorLim

Authorised representative of

AIA Singapore Private Limited (Reg. No. 201106386R)

It is generally agreed that life’s abundances come in a few staple forms: a good relationship with your parents, spouse and children, a good career to sustain your wants and needs, the freedom to make holiday plans at will, and a thriving social network besides passions or philanthropic causes that you support. While your career supplies part of the financial base for these abundances, it is wealth building and management that constitutes an essential part of your financial pillars and ensures the continuity of your legacy.

Having clear financial strategies for your wealth management is important for you to achieve your objectives while harvesting the bounties of good investments. However, defining what wealth means to the layperson is challenge enough, let alone crystallising their financial goals and taking the necessary actions to achieve those goals. Hence, a professional  AIA Financial Services Consultant with a clear understanding of your lifestyle, passions and investment goals can be the crucial partnership you need to chart and navigate your financial journey even beyond yourself to your children.

Enter Paul Kwan, an AIA Financial Services Consultant with more than 20 years in the wealth management field. Given the wealth of his experience, Paul’s personalised consultations with his clients transcends the mere clinical procedures of policy purchasing. Having built his client-base person by person, he recognises and prioritises the unique financial circumstance of each individual; and is trusted by clients as a people’s person with long-standing relationships that he’s cultivated with his personable charisma over time. Some areas Paul specialises in includes (but not limited to): Financial Health Review and Advice, Marketing of Life Insurance, Investment-linked Products, General Insurance, Accident & Health Plans and Group Insurance.

On how he chose the timeworn road of financial planning, the steward himself has a story to share: As a 21-year-old young man and straight out of National Service, Paul started his career in financial planning in 1995. Without an established network, Paul built his contacts client by client – he remembers that fateful two years spent cold-canvassing for potential leads at Kallang MRT. Barely two weeks in, the toughness of the job almost made him give it up. Yet, being low on savings and having a financially-challenged family to support, the young man shouldered through.

Coming from a family with a history of cancer, Paul had since made his own connections and staunch beliefs in the need of purchasing insurance premiums to secure his life’s circumstances. Prior to his financial career, he had tanked some major setbacks: his father passed away due to liver cancer when Paul was a teenager; and his sister succumbed to breast cancer when she was young. These cruel and cold severances of part of his family from him made him realise the transience of life. Nonetheless, it gave him the insight into the need to be sufficiently insured: though it could not bring back his family, these premiums gave him the necessary comfort of financial coverage to see through his familial losses.

Having served beyond 20 years of service in the financial industry, our steward has been inducted into AIA’s Million Dollar Club, an inter-company recognition for AIA’s outstanding financial services consultants; AIA MDC (1997-2008), AIA Summit Club (2005-2019), AIA Centurion (2009-2018), AIA Superstar (2010-2019), and the Hall of Honour (2014). On top of that, he has been honourably esteemed with the Million Dollar Round Table (2013-2020), a prestigious world recognition for insurance practitioners. Paul strongly believes one’s financial success lies in planning ahead and not just acquiring an insurance policy. And despite being a high-flyer who caters to other professional high-flyers, Paul’s personal motto is simple: “One life, once chance. Craft a better life for yourself.”

Personal Wealth Manager, Prestige Club

SP-VictorLim

Authorized representative of

AIA Singapore Private Limited (Reg. No. 201106386R)

A rich life to many includes the abundance of monetary resources plus the more intangible ingredients: a good relationship, the freedom to explore various parts of the world, or perhaps a philanthropic cause that brings a sense of satisfaction and fulfilment as well as serves as a continuum of your legacy.

When it comes to wealth itself, you will need financial strategies that can help you achieve your objectives and reap your desired tangible and intangible rewards. A professional Financial Services Consultant who truly understands your lifestyle, your goals and your passions can be a great help to assist you in navigating your financial course. He or she should be someone who understands the financial risks that may undermine your plans and dreams, and assists to map out strategies that can manage these risks for you, your family and the betterment of generations to come.

Victor, Personal Wealth Manager says, the fact is that wealth building can be broken down into two simple steps: Define what financial wealth means to you, and implement the mechanics to achieve your goal. Many people are unprepared for wealth destroyers that are relatively easy to avoid. They should also look beyond one single financial vehicle that they are most familiar with in growing their wealth.”

He adds, “Before I become a Financial Services Consultant, it has always been my unspoken wish to meet a professional and competent Financial Services Consultant who can help me in the area of building my assets and managing risks. As one goes through the different life stages, he may grow his assets through different instruments. Hence, it is very vital to strike a balance between wealth accumulation and managing the risks well and early. I like to serve and share the beauty of financial planning,”

Since the beginning of his career as a Financial Services Consultant in 1999, Victor firmly believes, “The first key for a successful relationship is to put clients as my priority. Relationships with clients are developed over time. It usually occurs when the client realises that the financial services consultant is not just concerned about winning relationships, but about establishing confidence and trust.”

Victor’s clients trust him as their Personal Wealth Manager because of his credibility, specialised in Retirement, Family Protection, Wealth Preservation and professionalism in offering them objective advice on re-aligning and shaping their financial future.

Victor employs a consultative approach in analysing financial risk exposures and then offers a broad range of personalised solutions from wealth creation preservation, to business succession strategies. As a father of seven, he naturally has a niche in teaching financial literacy for kids and advising wealth transferring from one generation to the next. Victor advises on matters like business continuity in family owned businesses, succession planning, corporate risk management and employee benefits and share holder exit compensations.

Exemplifying the qualities of exceptional professional knowledge, strict ethical conduct and outstanding client service that a MDRT member is expected to have, Victor qualified as a member of the Million Dollar Round Table (MDRT) since 2008 and has qualified as a Lifetime MDRT member. MDRT is an independent association that is recognised internationally as the standard of excellence in the life insurance and financial services business for the top 1% in the industry. Over the span of his career with AIA, Victor has garnered top accolades and awards for his stellar performance and service including AIA Rising Star in 2003, AIA Summit Club in 2007 and 2009, AIA Million Dollar Club in 2007, AIA Premier Gold in 2008 and 2009, AIA Premier Platinum in 2010, AIA Centurion since 2008 and as a Personal Wealth Manager in the AIA High Net Worth Prestige Club since 2008.

Victor has been a well sought-after Seminar Speaker and speaking as a regular guest speaker on radios and TV on the topic of Estate Planning, Financial Literacy and Parenthood.

AIA Financial Services Consultant

SP-VictorLim

Authorised representative of

AIA Singapore Private Limited (Reg. No. 201106386R)

At University

I graduated from NTU in year 2000. I major in Electrical and Electronic Engineering. I always have a keen interest in investing, management of money, wealth accumulation and protection.

My Background

I started as a part-time financial services consultant during my university years. Life is challenging as I have to cope with my tedious study and setting aside 2-3 nights per week to look for business.

My Job

I decided to turn to full-time Financial Services Consultant with AIA when I graduated. Firstly, I find this career more rewarding and meaningful as compared to engineering jobs. Secondly I enjoy meeting up with clients to advice them on financing planning and having them well protected.

In the beginning, it is challenging as I have to do cold-calling and door-to-door knocking to look for new clients. I faced lots of rejection during the cold-calling and door knocking. However, I am still very positive and determine to press on.

After a few years in this career, I begin to enjoy the fruits of my labour. I qualified for convention and AIA sent me to New York, Shanghai, Sydney and Barcelona as my incentive trips.

My Happiest moment

I did some planning for my Auntie. After a few years, she got breast cancer and I helped her to process her hospitalization and critical illness claims for her. When I delivered the claim cheque to her, my auntie was so happy and thanked me unceasingly. Seeing our plans paid out really made me feel very happy and this gave meaning to my job as a Financial Services Consultant.

Be prepared for

Life as a Financial Services Consultant is challenging in the beginning. Be prepared to work hard, willing to learn from leader, fellow colleagues and work together as a team will help to make the journey easier.

Some Advice

Work hard in the beginning and you will reap the fruit of your labours in the later years.

AIA Financial Services Consultant

SP-MARK-VICTORLIM

Authorized representative of

AIA Singapore Private Limted (Reg. No. 201106386R)

24年前加入了人寿保险行业的确是一件不容易的决定。 面对当时顾客的不理解，对人寿保险的错误概念以及业界一小撮不专业，不负责任的代理员的错误行为，都对我的工作造成了很大的困扰。 但凭着对保险的信念，兢兢业业的经营以及对保客的承诺。终于获得保客的认可与肯定。 对我而言，当保客失去健康，面对意外事件，甚至是遇到不幸的时候，保单发挥了它的作用，抚慰了他们和家人的情绪，缓解了经济上的压力，保护了他们的家庭与尊严！ 可以这么说：遇到不幸的终极安慰就是买了保险！把人生无可避免的遗憾降到最低。 保护好他们就是我工作的动力！

Accolades Achieved:

MDRT : 2008 to 2016

MDRT Life & Qualifying 2017 to 2020

Centurion : 2010 to 2015

Superstar Platinum : 2016 to 2018

AIA Financial Services Consultant

SP-FannyFam-VictorLim

Authorised representative of

AIA Singapore Private Limited (Reg. No. 201106386R)

I had been in the financial advisory profession with AIA for 23 years.

A disturbing call I received on the second day of work was a turning point for me.

I first crossed path with insurance at age 18, during my short stint as a Personal Assistant with a competitor insurer.

It spurred my curiosity to embrace more knowledge about insurance and how it can benefit my loved ones and I.

Reeling from the shock that my colleague’s son got killed in his car park, I learnt to accept the harsh realities of life’s from this first death encounter.

Years later, after I graduated from Curtin University in Perth, majoring in Marketing and Public Relations, I pursued my curious interest as a Financial Services Consultant with AIA in 1996.

I started off as a mediocre performer. After 9 years in the profession, I had the fortune of meeting a mentor from AIA, whom unselfishly devoted her time to inspire me and breathe new lease of life and enthusiasm to this profession which I began to experience my career’s defining moments.

I achieved my first Sydney Mini Convention in 2006 and never looked back since.

My humble achievements include qualifying for

• Lifetime member for Million Dollar Round Table

• Esteemed AIA Centurion Club

• Hall of Honour

• HNW Personal Wealth Manager

• Top 10 in company wide for AIA A & H Pacer Club

• Top in Cluster for International Champions Cup Challenge.

These honours are indeed clients’ endorsement for my practice and hard work! I am truly thankful for their support and faith in me.

Together with the countless claims processed , it had strengthened my conviction for my work each day and inspired me to touch more lives, protect more families and creating legacies for more families.

Favourite Quotes from Jack Ma

“ You will not turn Bankrupt because of buying insurance but you will cause your loved ones to turn bankrupt if you don’t”

“ Buying Insurance cannot change your life but it will prevent your lifestyle from being changed”

Whilst professionals like accountants, lawyers come knocking the doors for payment for service rendered, insurance advisors will present that life saver pay cheques when they need it most.

As the saying goes:

“Doctors save lives”

“Religious leaders save souls”

“Financial planners save dignity”

helping families stay intact.

I would love to add value to my clients with holistic planning approach from wealth protection, wealth creation and wealth distribution.

I am so glad that I had chosen this meaningful job as my life time career and thankful to my agency manager, Fanny, for extending this valuable opportunity to me.