初步需求评估

Good morning, Ms. Chen. Thanks for coming in today. To start, could you tell me a little bit about what you're hoping to achieve by looking into insurance solutions?

Good morning, Mr. Lee. Well, I'm at a point where I'm starting a family soon, and I've realized I need to be more proactive about planning for the future. I want to make sure my family will be secure no matter what.

That's a very common and wise outlook, especially with a new family on the horizon. To help me understand your needs better, could you share a bit about your current life stage? Are you working full-time? Do you own a home?

Yes, I'm working full-time now as a software engineer. My husband also works, and we recently bought our first home. So, we have a mortgage, and that's definitely a big concern.

Understood. Many young families are in a similar situation. And thinking about your financial goals, what's most important to you? Is it income protection, saving for education, or perhaps retirement planning?

All of those are important, but I'd say income protection is probably at the top of the list right now, especially with the mortgage and future childcare costs. We also want to start thinking about a college fund for the kids eventually.

That gives me a much clearer picture. We can definitely look into options that cover income replacement and also incorporate a savings component. Are there any specific concerns that have prompted you to seek insurance now, beyond the general need for security?

Well, my friend recently had a health scare, and it really made me think about how quickly things can change. So, health-related coverage is definitely on my mind as well.

Thank you for sharing that, Ms. Chen. It helps a lot to know your priorities. Based on what you've told me, we'll focus on life insurance with income replacement, critical illness, and possibly some long-term savings components. I’ll prepare some initial options and we can discuss them in detail at our next meeting.