Client Letters.

"Karna is a very responsible, kind and cheerful agent. She knows her product well and will recommend the most suitable one. She also puts in extra effort to rearrange all (including other companies) policies i have into a file so that I have a clear idea on how well and how much I am covered. Thank you for your effort babe <3 <3 <3"

"Karna is detailed with her work and is genuinely interested in me and my family's well being while assisting and answering all my queries with patience. You are definitely in good hands when you plan with her."

"I've known Karna since 2016 and she has been someone whom I could trust since then. She is someone who will always be there for you and will always respond to your questions without fail. She is definitely someone you can depend on to protect /insure yourself and your family. Thank you for all the support and looking forward to many more years!"

"Karna is very committed to work and treat her clients like friend. She explains my new policy with her and even go to an extra mile to compile all my policies. She has many pipelines on financial services and share update on any new products. I am very grateful to know this sweet lady."

"having good time with Karna, patient and understanding when explaining. lovely and cheerful person. accommodate and advise solution according to my lifestyle😎👍 happy with the services keep it up, Jia you!"

"The sharing today is really beneficial to my business development plans and protection moving forward as it grows and faces more financial demands and challenges. Thank you so much for the fruitful session."

"Karna is professional and prompt in providing excellent financial services. She is objective in providing non-biased advice to client. A reliable agent to work with.Thank you, Karna."

"Karna is one of the best agents I have met. She can very well understand your requirements and identify plans that best suit me at different stages of my life planning. Well-equipped with knowledge, she is able to greatly assist not only for personal requirements but also for my business. She takes effort to simplify things so that it is so easy and clear to understand, especially helpful if you’re not someone who likes or are familiar with financial terms and concepts. A very responsible and professional agent who you can always trust and rely on at any time. Also a sincere and genuine person who felt like a really long time friend! Thankful for her help in getting my life well-planned and protected. Highly recommend her service! Two thumbs up 👍👍"

"Happy to have these pretty ladies to help me out with all my insurance policies! I believe with them and AIA, I’m all in good hands"

"Thanks Karna for being so patient with my questions and needs! Appreciate your help and sincerity that you put in for your clients & your working attitude is motivational. Thank you for being part of my insurance journey and I know I can rely on you 😉"

"Karna is always patient with my questions and needs. As I don't stay in singapore and my needs are different from the rest she listen and helps me to plan out an insurance plan that cater for me and my kids. She is very responsive and easily reachable. Her well-equipped with knowledge makes me have confident in her. Been introducing some of my friends to her and no complaints from them. Thank you for being my Insurance Agent. Highly recommended A* agent. 🤩"

"I got introduced to Karna & Kamen via a facebook ad late 2018 and did not have much expectations before the meet and just wanted to give a try. Instead of trying to sell what they wanted to sell me, they tried to understand my needs & constraints and tried to get me a product that would suit my needs. Since then they’ve helped me with all my insurance needs."

"Insurance is very important and hence we need to find a reliable agent to oversee our plans. My friend introduced us to Laura & Karna. They are very patient and accommodating. They explained to us thoroughly and make detailed comparisons between different companies. They are always there for us whenever we need them. They are truly 5Cs! Caring Compassionate Customer oriented Creditable Consistent Look no further if you need someone to take care of your insurance portfolio!"

"Karna 是一位非常专业的保险经纪，她总是非常有耐心的听取我的需求，然后根据我的个人情况来给出非常专业的建议。她从不介意我在咨询的过程中提出任何要求和问题。对于我的提问，她总是会事先准备好所需的资料，让我感到非常安心。对于她的服务，我深表感谢！"

"Hi Everyone , Karna is a friendly person who I have known since secondary school days and am glad that I chose her as my AIA agent ☺ She is someome who is full of knowledge in her line of work as well as an approachable agent as she have answered all of my queries in terms of the different types of plans that AIA could offer. I am really thankful that I have Karna to assist my family and I with our insurance savings plan. Thanks Karna!"

"Hi All my dearest clients and loved ones, Thank you for your support and trust and for contributing to my achievements. I will continue to strive to do my best for each and everyone of you and continue to be the guardian of your families and dreams. Let's work together to have another fulfilling year ahead!"

"Hi Everyone , Hey Karna and Kamen! Thank you so much for your advice over the years! Great meet up for my yearly review nearing to my birthday ! To make sure i am well align with my age, health, financial planning! 🌟😁🌟🎁. Always Awesome to know i am well covered and how to grow wealth and protect my family and love ones !"

"Hi Everyone , Karna is very detailed in explaining to me the features of the plan and to ensure I know what I am signing and she is very accommodating to meet my time during our meet ups."

"Hi Everyone! Karna and Kamen have been amazing consultants since the day I met them. They are always so patient and take the time to understand what my family needed before recommending us the best plans to get. They also often go the extra mile to help us in collating our previous insurance records in order for us to get a much better idea of what we have. I think it's really important that consultants are well-versed with the entire spectrum of products and Karna and Kamen never fail to deliver and are always able to explain all these policies in the simplest way possible which is easy to understand. Their passion and dedication towards their work is also very inspiring. Thank you for all the help thus far and I'm looking forward to more advice from you both in future!"

"Karna and Kamen 是两位都很敬业的年轻保险经纪。他们都很有耐性解释不通有意的保险配套，也常常提出对我们都很有利的财务建议。认识了他们那么多年，我对他们的服务都一直很满意。有了他们的协助，我能更好地管理名下的保单等等。希望他们再接再厉，继续带给为更多人最佳的服务。"

"Hi 大家, 感谢你们给予专业的意见以及建议，让我们更加了解哪一个保单更加适合我们，也让我们能找到合适我们的保单以及我们是能力范围可以承担的保费。在我们觉得很混乱的时候，给了我们很多帮助，细心的耐心的一一解答我们的问题……"

"Hi Karna & Jun, Karna and Jun is very nice. They give exactly what I looking for together with great advise on what I can add on to it. Good job and keep it up."

"Hi Jun & Karna, I had an very interesting session with Karna and Jun. I am able to understand the plans better as it was explained in perfect and detailed manner. Thank you for the interesting session."

"Hi Karna, 谢谢你，在我不懂该如何投保保护自己的时候，给予了有效的建议。在有疑问的时候，你都第一时间回复信息解答问题，给予帮助。你的态度就是客户的定心丸，谢谢你Karna，感恩有你！"

"Dear Karna, Ever since I swapped Insurance company, I have had no regrets. Your service and follow-up has been excellent. You always keep me updated of any changes to policies. Also, your personal touch of sending cards/gifts on special occassions truly show your dedication and sweet gesture. I highly recommend you to anyone considering taking up any policies."

"Hello Karna & Partner, good afternoon on behalf of my family I would like to say big thank you for your kind support through this few years with us. No doubt everyone busy with other family matters & working schedule, you & partner never forget our family. Hopefully with the right time we shall meet up again so we can catch up with the new updates on the policy and have some lunch at our home We value you & partner for the service that’s given to our family Salute & Respect ✊"

"Hi Karna & Jennifer! Thank you for helping me understand what my portfolio lacks and how to better it! As a young adult starting out my career and the rest of my life, I feel that it's very important for me to start planning early for the different phases of my life. Financial planning may be an intimidating thing but with you and Jennifer, it was a breeze! With layman explanations, I fully understood what I will be covered under any circumstances. I look forward to working with you and I'd highly recommend you guys to any of my friends who are looking to kick start their financial planning! 💪🏻 Thank you again for your time today, I really appreciate it! ❤️"

"Thank you for walking through a meaningful 2021 with me and I am blessed to continually be able to serve and be the guardian of families & dreams. Let's continue to work hand in hand for a meaningful & purposeful 2022 and be one step closer to our goals!"

"Dear everyone, Thank you for all the love and trust that you place in me. 2020 was a unique year and we managed to pull through it together. Let's continue to work hard towards our goals and dreams and towards a better future! Stay safe and we will ride through 2021 together smoothly too!"

"Hi Karna, Thank you for being so helpful and patience in explaining the insurance policies, also in guiding me to find the most suitable and ideal policies in Singapore. I love the summaries of the insurance plans you have prepared for me so far (including those I have with my previous agents), it’s very useful especially when I have several existing plans and I tend to forget the details of the coverage and benefit easily. Highly recommend to others. Thank you for your time today. See you soon and stay safe :)"

"After meeting more than 10 insurance agents, we settled with her because of her top niche service. Over the years, we have built the trust and she has also gained my parents' confidence. She always keeps in contact with us, rarely missed our calls, always have answers, gifts us once in a while and settle our claims super fast. Without her, I don't know what will happen to my family. Thank you Karna! <3 May God Protect & Bless you and family. #bestinsuranceagentever #agentturnedfamilyfriend"

"WELCOME BACK TO THE OFFICE We welcomed our Singapore employees back to the office with a health themed event with lots of F_U_N! Besides getting our health record card, through the medical checkups, we didn't forget to have fun through a series of socially-distanced activities and games. By the end of the event, most of us forgot that we haven't seen each other in a while! Kudos to Karna Wee, Jae Chik., Jennifer Poh for partnering with us, and preparing the aromatherapy-based sanitizer, customizable for each of us, as well as the 'Ang Bao' Grab wall in line with Lunar New Year! Employees were tasked to complete a set of health centred challenges to get a chance to win some cash prizes from the Ang Bao Wall. Our top winners went back home with Novelship credits and food coupons! Whilst amid the global pandemic, this is was a great start in the Tiger Year of 2022, to see and interact with each other normally again! #NovelshipFam"

"I have been thinking of this for awhile now & have really wanted to start on this, Chris & Karna made it so easy for me to absorb the details (not just jargons). I really appreciate how you explain things to me, especially for someone who don’t know much & not sure even on what questions to ask! In the area of protection (TCM benefits), I never know that I have these benefits until you highlighted it to me, and the whole claim process is not as daunting as I would have thought! What is more personal is that we are of similar lifestage & can connect so well, and I am very sure you will connect very nicely with family when they are back in Singapore too! Overall, I am living it now, knowing what these programs & plannings truly mean to me!"

"Hello Karna & Joel, After several attempts of finding the right insurance agent, we are so glad that we met you both. We can feel how genuine and sincere you both are in getting us insured and making us understand the policy before getting it. It has been a pleasant experience with you guys and we hope your future clients feel the same way too. Thank you for all your help! ❤️"

"I had a wonderful experience with AIA Insurance. Ms Karna Wee provided excellent service and made the process of insurance quick and easy. She was very thorough and efficient and I am happy to know that dealing with insurance can be this painless. I will definitely return to Ms Karna Wee. Thanks again for your kind services. 😇"

"Hi Everyone, Thank you for walking through another great year with me. Your unwavering trust and support grants me strength to do better & be better each & every day and my achievements are because of YOU. Let’s continue to work together towards achieving all our desired goals and may we be one more step closer to achieving our dreams in this year."

"Today is our 1st review session, for me to give you all the inputs because I trust you both (leaving it to the experts to advise and manage my portfolio). Looking forward to your analysis and advice moving ahead"

"I love the way you explain using the pyramid, which allow me to take note of the things to build & focus on. The explanation of things were very good, and helps to increase my awareness given my unique current life-stage (own level of comfort). Both Chris & Karna are able to help assist in the management of this overview & breaking it down to bite size, thank you!"

"Thank you very much for detail explanation about investment and protection plan. This is the first time I got very detail information and benefits about this kind of programme. I never expected to spend 2 hours discussion with you guys but I’m fully satisfied about very long discussion. Hope to work with you guys together. Cheers thanks again"

"Karna and Crystal， 谢谢两位专业、有活力的保险经纪，事无巨细地耐心跟我讲解每个保单，让我更加了解保单里的细节。 两位经纪也很细心地帮我规划我的保险，让我的生活更加有保障。 谢谢你们！"

"I would sincerely like express my gratitude to Karna and Amin for their thoughtfulness and professionalism to explain the various type of proposal in order to suits what’s best for my needs throughout the discussion. You are indeed a very meticulous, attentive & helpful person which I’m very impressed with your service. You all went extra miles… Thanks so much .. really appreciate 😄"

"I kick started my financial planning journey today with Karna, and opened my first savings account! I first met Karna when I was working as her PA, and she moved me with her genuineness right from our first meeting. As a skeptic, I used to avoid financial planning and planners like the plague, however, while working with her, I witnessed Karna's conviction and dedication in giving the best to her clients. That is quality of hers that I really admire, and I remember thinking to myself, 'when I've gathered an amount that I'm personally satisfied with, I will do something with it, and when that time comes, I would love for Karna to administer it', and today, we did that! Karna carefully listened to my goals and provided me with comprehensive information. She was very transparent and gave me informed advice which not only aligns with my goals, but goes as far as supplementing them. No upselling, no pressure, almost like seeking advice from a friend. Her cheerful and personable nature made her a very nice person to be around, which made the appointment a very pleasant and fulfilling one! I didn't walk away wondering if I made the right choice, which often happens with impulse purchases or commitments. Instead, I left feeling super accomplished and relieved. Very happy!"

"Karna is very knowledgeable in assisting me with my queries for estate planning and asset distribution. She was able to give me assurance that my family will be well taken care of when I am not around. Thank you so much for your kind service and explanation."

"Happy to have Karna as my family’s insurance agent. Karna provides assistance and ample information for the type of proposal that best suits us. Definitely not the type of Financial Planner people usually try to avoid. Karna always puts our interest at heart, patiently listens and giving advice for us to provide a better future for our kids. 10/10 would do it again with Karna!"

"Karna is an Agent dedicated to helping folks around her. She regard her Clients as friends and not just a business deal. Glad to know her and entrusting my policies with her."

"I feel truly lucky to have Karna as my financial advisor, especially after going through several changes. I genuinely feel connected and know I have someone I can count on for sound advice, helpful tips, or even just a refresher when needed. She always comes prepared with the details whenever we meet, and her patience, trustworthiness, and reliability really stand out."