Hendri Kamarudin

Personal Wealth Manager

Hendri Kamarudin

Personal Wealth Manager

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Articles Worth Sharing

Passionate about life and living it to the fullest. Life can be beautiful and purposeful.

It is with a profound sense of mission that I approach my work as a financial planner - that every family deserves the sense of security that gives them the peace of mind.

My clients are my motivation.

  • Work
    • AIA Singapore Private Limited, AXA General Insurance, MSIG General Insurance
  • Credentials

      MDRT, CFP, BBA(NUS), Professional Estate Planner

Newsletters

Articles Worth Sharing

Newsletter Issue 58: Misconceptions that hold us back

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

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Newsletter Issue 57: One Thing At A Time

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

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Newsletter Issue 56: Habits & Decisions That Compound

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

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Newsletter Issue 55: Managing Burnout

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

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Newsletter Issue 54: On Leadership

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

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Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

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Newsletter Issue 52: Living A Good Life

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

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Newsletter Issue 51: Dignity and Why It Matters

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

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Newsletter Issue 50: Empowering Women In Our Midst

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

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Newsletter Issue 49: The Gift of Paying It Forward

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

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Newsletter Issue 48: Done is Better Than Perfect

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

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Newsletter Issue 47: Of Languages, Love and Possibilities

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

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Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

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Newsletter Issue 45: On Teaching, Learning & Growth

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

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Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

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Newsletter Issue 43 : Staying Grounded in Things that Serve Us

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

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Newsletter Issue 42 : Moms Never Retire?

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

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Newsletter Issue 41: This is the 8th Wonder of the world - Einstein

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

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Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

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Newsletter Issue 39 : What is hurting Employees and Employers

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

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Newsletter Issue 38 : Holding Space in Difficult Times

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

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Newsletter Issue 37 : Covid19 - No turning back from a new future and reality

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

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Newsletter Issue 36 : Make these 6 decisions

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

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Newsletter Issue 35 : When the going gets Rough

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

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Newsletter Issue 34 : Trust, Relationships and Emotional Security

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

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Newsletter Issue 33 : These are simply worth sharing with you

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

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Newsletter Issue 31 : The Power of Tiny Gains

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

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Newsletter Issue 30 : How the World forgot to sleep

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

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Newsletter Issue 29 : Don't leave life without it

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

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Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

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Newsletter Issue 27 : Life's most Powerful Lessons

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

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Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

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Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

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Newsletter Issue 24: The Interesting secret

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

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Newsletter Issue 23: The way we Think

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

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Newsletter Issue 22: Why Happiness is linked to Deep Talk

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

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Newsletter Issue 21: Half of the jobs in 2020 are not yet known

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

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Newsletter Issue 20: Your Life is About to Change

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

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Newsletter Issue 19: The Indispensable Power of Story

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

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Newsletter Issue 18: Retirement dream vs reality

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

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Newsletter Issue 17: Some things don't change

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

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Newsletter Issue 16: 2 Tips from a 116 year old

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

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Newsletter Issue 15: The thing about Time management

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

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Newsletter Issue 14: What you need to beat Diabetes

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

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Newsletter Issue 13: Hipster Hawker Stalls - Yummy!

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

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Newsletter Issue 12: Oh how beautiful, beautiful, beautiful!

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

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Newsletter Issue 11: Secrets of the Heart - Uncovered

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

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Newsletter Issue 10: The result of reading

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

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Newsletter Issue 9: This isn't the bucket list

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

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Newsletter Issue 8: Creativity

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

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Wall of Trust

Testimonials & Referral Notes

Thank You Hendri!

I’d like to take this chance to thank Hendri for being there for us all these while. I remember vividly that i was so lost when my mum was diagnosed with pancreatic cancer. But Hendri was there at every step of the way. From the initial visit to the doctor to the first surgery to the second surgery and to the chemotherapy. Ensuring we get the best medical attention and reassuring us that we do not need to worry about the bills as my mum is fully covered. Claims are always processed at lighting speed!

Being a client that just had her family policies transferred to you and you honestly don’t gain anything from it, you really didn’t have to do all these. But you still go out of your way to constantly check on us and update us about the claims. And i really appreciate it.

Recently, when my little girl needed to be hospitalized because of a bad fall. I was alone in the hospital with a crying child while the nurses was asking me about insurance stuff and my husband wasn’t able to pick up the phone. I was helpless. I called you and you picked up the phone almost immediately and talk to the nurses. You even offered to come down to the hospital to assist me if i needed any help.

I love how he is so genuine and reliable. He always put himself in our shoes and think for us when reviewing our policies. And i know my family is in good hands and i am forever thankful to have Hendri as my agent.

Jeanie and Zhiyong (Director of Song Fa Bak Kut Teh)

Hi Everyone,

I'd like to thank Hendri Kamarudin, who has been helping me in advising my/my family's insurance needs since 2009 (bro, man, it's been that long! And more years to come!). To date, I think more importantly, is the 100% claims success rate where I have personally witnessed and experienced him "fighting" to ensure our claims are approved. Or to remove a particular exclusion.

If you're thinking to get insurance or not to get, the answer is simple: you cannot afford NOT to get. Please get. It's insurance, and when you need it, you need it. You can't buy when you need it - you have to buy in advance and in anticipation.

This year 2017 we had more health needs:

Personal example #1: Earlier this year in 2017, we visited lovely Khao Yai, a 4-hours drive from Bangkok, Thailand. Unfortunately, on the last day, I got hit with a really bad gastric/stomach condition, and had 5+ days of diarrhea (self medicating during that time). 5th day, I visited a very experienced gastro consultant who warded me and treated me. Problem went away within hours (I know, I should have seen doctor earlier since I'm covered. Ugh). Total is $6k++, covered.

Personal example #2: Again in his year itself, in 2017, I had to undergo a shoulder surgery that costed $23k++. I went to Mount Elizabeth Novena, got a very experienced shoulder surgeon Dr Ramesh from Centre For Orthopedics, got operated on, rested and got out. Covered and cashless.

Personal example #3: Again, this year, when our little boy David was born, Hendri had actually BEFORE our kid was born, advised us to buy BUPA specifically for pregnancy. Result? $26k+ covered for our delivery in Mount E Novena with top notch gynae (Dr Arthur Tseng) of our choice.

Total of the three personal examples would be $55k++. Our insurance cost? Definitely much, much cheaper than that.

You know, because of Hendri, I am almost never worried about medical care and costs in Singapore, even when we travel. He has made sure that myself and my family has more than enough health coverage for all our needs that meets our lifestyle and budget. He is my de-facto go-to-guy for all things insurance.

As a husband, father and businessman, I am most comforted to have experienced successfully claiming insurance when we faced health accidents, and that Hendri is always just a text away. Even when he's on holiday/weird timing - he replies! I've always told him that his job is one of the hardest job in the world, because he responds, checks and advises me what I need to know and do next for medical/health coverage, very promptly. He is truly a professional, accountable and trustworthy agent who's proven himself to me (and his other clients) again and again and again.

And the speed that he works to get your claims through is unbelievable - many people are told that we usually take months to get claims approved and payout, but in my experience with Hendri: weeks. Fastest is 1-2 weeks. (Disclaimer: you as the patient/policyholder has to quickly get the relevant documents eg receipts, referral forms etc, and Hendri will "gently and persistently" chase you for them, so that he can quickly get it processed and claim for you so you can quickly claim - it's a good thing - he will follow up till your claims are approved/settled. *This is the key performance indicator, because he cares that your claims are approved and cheque paid out as quickly as possible)

If you're not covered yet, or looking to revise or add to your insurance portfolio: I highly endorse and recommend that you connect with Hendri based on past performance, experience and outcomes. He provides such an important and precious peace of heart and mind for medical insurance and coverage.

Hendri, you are a blessing to myself and my family for your top-notch health/insurance services. Thank you.



Regards,
Nigel Chua, Director And Founder Of Phoenix Rehab

Thank you!

Hi Everyone,

老实说,一向以来我不太相信保险。人到中年,生活负担自然很重,总觉得保费是能省则省。感谢主,认识了Hendri,我观念从此改变!他的专业和真诚,就不赘述了。事实胜过雄辩:除了例常的肠胃镜检查,我在过去3年做了心脏支架和缩胃手术,体重从100多公斤降到80多,所有的指标都正常了,让我有信心和体力面对人生的下半场。谢谢Hendri, 给我鼓励并第一时间帮我申请了赔付, 不然我是无法负担的。

Regards,
Li Chuan and Angeline

Trusted Financial Advisor

Hi Everyone,


My friend recommended me Hendri’s financial advisory services, which is one of the best decisions that I’ve ever made.

To me, he is a great advisor because he listens to your needs and recommends the most appropriate and value for money insurance plans and coverage to meet the needs identified.

Despite purchasing polices through him, there were times that I had concerns whether my coverage is sufficient, but he would be honest to assure me that I do not need to purchase additional plans as my coverage was already adequate. I truly admire his Integrity and transparency, which gives me the assurance that he is a trusted financial planner that would not oversell you excessive products.

Additionally, when I was not well last year and had to seek medical assistance, he was extremely helpful to provide step by step guidance to obtain the best medical attention that I can possibly get in the shortest timeframe. Not only that, he would often follow up to ensure that I was recovering well and would check whether I need further assistance. Truly he is an advisor that goes above and beyond his scope of responsibilities to offer his help and I am thankful to have known him.

It is definitely highly recommended to consult Hendri trustworthy and reliable advice, especially for those who are serious about financial planning.



Regards,
Nigel Lim, Compliance Analyst of MNC

Blessed Family!

Thank you Hendri Kamarudin, for seeing through my numerous claims processes. Most comforted to know that you are always a text away. You have been the most consistent person I know and I'm so glad you are taking care of my kids & my claims! Since 12 years (?? Or more?) ago, I must have been your highest claim client? :) my accidents & hospitalisation... my kids A, B, C's hospitalisations too many to count. I've never worried about using my credit card at the hospital counter cos I know the claims cheque will come in my mailbox very soon after. People have told me that it would take many months to receive any claims from insurance companies, but all my claims came within weeks. I suspect you submit them the MINUTE i text you. Or it might be because you travel down to where i am the very day i receive the final bill. Or it might be because you call me every alternate day to check with hospital/mail box/company for a missing document that's necessary to speed up the claims process. Every cheque is important to you as it is to me. I've not worried about your efficiency cos you have not missed any single cent of claim I'm entitled to, every single time. This is such a precious peace of mind anyone can have. Only wish for the best for you because you SO DESERVE THE VERY BEST!

Shilin, Teacher, MOE

Satisfied Clients

Hi Everyone,

My husband and I bought our first policies with Hendri when we graduated from University. 10 years on, he's still by our side guiding us. We have heard of many horror stories of agents who quit leaving them stranded; but Hendri is very reliable and is always in touch and contactable no matter how small the claim amount. When I was hospitalised in 2014 for a double lung and kidney infection, Hendri helped us with the claims to make sure that financially we could cope with the hospital expenses. We highly recommend Hendri as someone who knows his financial products very well and who will never hard-sell or force a product on you that you don't need. No matter what product we need, Hendri is the first person we turn to.


Regards,
Lydia and Shuohan, Director and Principal, Curious Thoughts Academy

Meet someone interesting

Hi Everone,

I fell very sick in Japan due to the cold weather. Visited a clinic in Tokyo and was diagnosed with acute bronchitis. The clinic bill raked up to over sgd $350 for that one time visit. 😱Was very glad that Hendri Kamarudin advise us to get the comprehensive travel plan because the claims were processed quickly and smoothly. Am really grateful for such an efficient and responsive agent. Be it weird timings or weekends, Hendri always responds to my SOS enquiries quickly. Really blessed to have such a wonderful insurance agent. Did I mention that I never had to worry about hospitalization issues because this guy made sure that I had sufficient coverage for all my needs. I always get to stay at the best hospitals e.g.: Raffles hospital one/two bedders and recuperate with the best doctors thanks to AIA's plans and my efficient insurance agent! Thanks Hendri once again, I have always been very thankful and blessed for your wonderful health/ financial services! Do contact him if you are looking for a trustworthy and reliable agent!

Regards,
Lena Lok, Director Of The Amazing Art Shuttle

Meet someone interesting

Hi All,

Hendri Kamarudin is more than just a top financial planner, not only is he smart and able to prepare the best insurance policies to meet his client's needs, he is a faithful friend since 2008, going through good times and bad times together and always there whenever his friends needed his advice or help. He is honest and builds trust with people around him, whenever I have an insurance claim to settle, I feel assured that Hendri will do his best to fight for my case even when it's difficult. Would recommend him to anyone who needs advice on their future financial planning or insurance needs with full confidence!

Regards,
Joseph Liang Bowan, Product Consultant, Moody's Analytics

Meet someone interesting

Hi Everybody ,

So happy that my daughter's hospitalisation claim is approved in such quick time! All thanks to Hendri Kamarudin fast response and efficiency in handling my claims with AIA. With this claim, I am also thankful that HENDRI has recommended me v good plans in the past that has not only fully covered my daughter's bill, but also paid out cash! Very appreciative of HENDRI's honest and down to earth service and strongly recommend him to anyone who is looking for a sincere n trusted agent!

Regards,
Ryan Quah, Manager, Hoe Kee

Thank you Hendri!

Hi Everyone,

I had a day surgery and was prepared not to be able to claim anything from my personal hospitalization plan. But hendri knows the claimable items at the back of his hand and was able to get me a whopping $550 from thin air! (I joke, it was a daily hospital income benefit, get well soon benefit, post hospitalization home rest benefit.) hendri also advises how I can fully make use of my rights from my plans. I’m grateful for the attention given. Thanks Hendri for taking my WhatsApps at all times.



Regards,
Christine

Personal Testimony

Hi Everyone,

When it comes to insurance, three things are needed - Precision in financial advice, clarity in an ambiguous claims environment, and technical finesse in setting up tailored policies to meet unique customer needs. Hendri has demonstrated great skill in each of these, he's a safe harbour and trusted adviser during the times that we're in.

Regards,
Daniel Lee, Regional Marketing Lead, Oracle

Happy & Blessed Family

Hi Everyone,

I would like to highly commend my AIA Agent Hendri who has served us for more than a decade for his wonderful professionalism and his attentiveness to our family insurance.

He is concerned and is always there to listen, recommend and advice any enquiries we have and had regarding any insurance policies.. Over the years he became not only our Insurance Agent but a family friend.
I am indeed very happy with his service.

Regards,
Keiko

Meet someone interesting

Hi Everyone,

Hendri has been my agent for many years and each time whenever I have questions on policies or financial planning, he will always be prompt to reply me. I appreciate the time and effort he spent answering the questions even if it's late in the night or early morning.

When come to claims, he does everything and I just need to provide the receipt. He is definitely someone I will trust when coming to making major decisions.

Regards,
Reuben Tan

A Long time Friend from TJC

Hi Everyone,

Having known Hendri for 17 years, it was only recently that I turned to him for advice on some insurance matters. Many friends have bought plans from him and recommended his services but I already had agents looking after my family's insurance needs.

It was only when we looked at financial planning and we were sourcing for competitive quotes that the thought of engaging Hendri cropped up. I was expecting him to hard-sell the agencies that he was representing, but he surprised me with his fair analysis of the pros and cons of all the plans that I was looking at.

Despite not taking up the plan that he was offering at that point in time, we eventually engaged him when undertaking a review of our insurance coverage. He has offered sound advice - on claims (which he was not even our agent for) and on insurance policies when we were reviewing our coverage.

Hendri is foremost a trusted family friend and secondly a responsible financial adviser.

Regards,
Ryan Bob, Financial Analyst of MNC

Praises from a brother

Hi Hendri,

Thanks for everything bro, from being a close friend to my personal financial consultant, in providing me advice from financial matters to helping to make life decisions. 3 reasons why you rock as a financial consultant:

1) You listen actively – Often when we meet, you will always listen to what I have to say first, ask the right questions to diagnose the problems and needs and made reasonable recommendations. You are never pushy, always listen and challenge the different perspectives to breakdown the issue into simple problem statements. You give me time to ponder before I make a decision.

2) You are a system thinker – When you understand my needs, you often take a step back to understand my life’s situation, for e.g. the needs for our parents, the need for liquidity and mid-term planning, in addition to house financing. Thanks for planning and recommending the simple insurance policies to the complex financial instruments.

3) You are a doer, someone that is action focused – I have seen the way you react to our common friends’ needs whenever they need to make claims. While you focus in closing the transaction, you have also differentiated yourself by speedy processing of claims and fighting for your clients.

These are the 3 reasons that build trust! Trust inspires customers’ confidence in you. Trust is the common currency that trades truly in life and is in scarcity these days. This truly differentiates you. Keep it up!

Regards,
Eng Youyi Josiah, Senior Manager, Commercial and Business Development, Summit Power international Pte Ltd

Blessed Family

Hi Everyone,

I don't usually write a testimonial for anyone, but I must say that I appreciate and trust Hendri Kamarudin a lot when it comes to financial planning and insurance.
He is not just passionate about his work, but will go extra mile (at least for me).
One particular example was when I was struggling financially, and he happened to call me to meet up. At the back of my mind, I was hesitant to meet up. I know that all financial planner will want you to buy something from them whenever you meet up with them. But he proved me wrong that day when we met. Instead of persuading me to buy, he was telling me not buy anything until my financial situation more stable. I was impressed. I have not made many claims from him yet, but I believe he will process all my policies ASAP and to the best he knows how.
So Hendri Kamarudin, thank you very much and I trust all my financial plan in your hand...haha

Regards,
Rayvin Hsu, Graphic Executive, Chc

Lovely Family!

Hi Everyone,

Would like to thank hendri for his years of financial advice and service to me and my family. From one simple insurance plan for myself, his trustworthiness and excellent service has led me to recommend him to my friends and family wholeheartedly. He does not shy away from claims and instead ensures that the process is as pain-free and hassle-free as possible. Most importantly, he has given my family and I a peace of mind in terms of insurance coverage and financial advice, knowing we are in good hands, which I believe no amount of money can buy.

Regards,
Darren Tan, Director, Little Red Ants Creative Studio

Meet someone interesting

Hi Everyone,

I am always very amazed at Hendri's knowledge and I can always count on him to give practical and wholesome advice. I remember sitting in awe when hearing strip down every product to the last detail and made comparisons on the pros and cons of the various policies that he is recommending to me. Responsible and always there for you, thanks bro for standing beside me and my family all these years.

Regards,
Hardy Hutajaya Kowari, Principal Consultant, Unit4

Meet someone interesting

Hi Everyone,

Really thankful to have gotten Hendri's help in the multiple claims for my injuries. It was not only fast and efficient but also with the best advices and recommendations. Am glad to have you looking out for me and family! :)))

Regards,
Vinnie Quek, Producer, Little Red Ants Creative Studio

Meet someone interesting

Hi Hendri,

Bro, Our family would like to thank you for assisting us during our Baby Dex when he was warded in TMC for a high fever and the hospital bill went up to $3k just for 2 days. We really appreciated that you advised us and recommended us to buy an hospital plan for Dex when he is 2 days old and thanks again for the processing of the full claim and we have received the cheque from AIA .😙😙😙

Regards,
Benson Ng, Sales, Joo Heng Plastic

Meet someone interesting

Hi Hendri,

Many thanks to Hendri
The time I was hospitalised I incurred a heavy medical bill. Thanks to his farsighted and dedication I got some right insurance with him which lessened my burden a lot. He even went the extra mile of calling every now and then to check up on how is my recovery and guiding me to get the best assistance for my care be it medical claims or Physiotherapist help. I do suspect Hendri you are working 24/7 cause when I submit my claims to u. They were processed quickly not like how some people said after months also no news. Thanks for the dedication and the timely assistance. Truly you walked in when the rest of the world seems to walk out. Please keep it up. You really make a difference in our lives. Thank you

Regards,
Kelvin Chan, training Consultant, Lee Care Health Pte Ltd

Meet someone interesting

Hi Everyone,

Thanks Hendri for all your time and support all these years. Not only to myself but my family as well. You are always quick to respond to our inquiries and giving us the most up to date information. Even when helping us process our claims, you ensure everything is in order and when in if we have received the claim payments. You put our needs first and give excellent policy recommendations that are essential. Thanks for all your patience and guidance in helping us make well informed decisions.

Regards,
Melvyn Ong, Senior Operations Analyst - Citco Fund Services

Meet someone interesting

Hi Everyone,

Hendri has always been a person of trust and excellence, the services and advices he provides is always top-notch. He is always there when you need him, my claims after going to physio was easy and efficient. He genuinely cares for his clients and friends and will go the extra mile to ensure everything is done. I have no better person to recommend other then Hendri to place your trust in.

Regards,
Lam Kie Wei, Singapore Cricket Club It Executive

Meet someone interesting

Hi Everyone,

Hi Hendri, thank you for being such an awesome consultant. I could not thank you enough for the assistance that you have provided for our claims when my mum suffered a stroke. You even went the extra miles to pick up the receipts from me for my conveniece and always checking if my mum is recovering well. You always ensured that my family and myself are well covered and only recommend the plans that are required and essential. It is really important to have a good consultant that is always put the interest of his client as a top priority. Therefore, I will highly recommend Hendri Kamarudin to all my friends if you are looking for a financial consultant.

Regards,
Kaylynn Ng, F&b Sales Manager, Raffles Hotel

Meet someone interesting

Hi All,

Hendri is a very trustworthy person. I know him through one of my friends, I am very touched that he always spends a lot of time to plan everything that suits me, he never ever try to hard sell anything to me and my husband before. I am truly grateful to him that he helped to give my colleague and my brother's girlfriend free advice without pressuring them to buy any policies from him. We are really blessed to have him as our adviser. 😇

Regards,
Michele Chong, Music Teacher

Meet someone interesting

Hi Everyone,

Been very blessed to have Hendri as our family financial consultant for the past years. From personal coverage to child insurance plan, Hendri has always been able to present us with the most comprehensive plans that meet our lifestyle and budget.

Hefty medical bills is always my top concern. 5 years ago, Hendri managed to help me with a surgery payout efficiently. The most recent case was my son's hospitalization bills which Hendri negotiated with the insurance provider for almost 3 months and was approved finally.

We are very appreciative of his dedication and sincerity. He will always take into considerations our current needs and advise accordingly.

Highly recommended for his professional financial services!!

Regards,
Samantha Quah

Meet someone interesting

Hi Everyone,

Thank you Hendri Kamarudin for your help in submitting our recent claim! You are really efficient! From picking up the claim documents from us to submitting our claim, you got this done within a few hours only! You even dropped us a message to inform us after you have submitted our claim. Despite the claim amount is small, you shows no sign of delaying in our claim submission. This shows how professional and responsible you are. With our past 2 experiences and your efficiency, we managed to receive our claims within a month. We are so blessed to have such a trustworthy and reliable insurance agent like you! — feeling blessed.

Regards,
Huishan, Accounts Executive, Lixil International Pte Ltd

Meet someone interesting

Hi Everyone,

When it comes to insurance, choice of consultant is like choosing a doctor - they all have the same title but you know it when you have a good doctor / consultant. I'm glad I left my financial planning up to Hendri since day 1 as since then i have made so many claims and yet never once worried about anything. He is both responsive and responsible, and more important he's capable. Such a trustworthy consultant is exactly what everyone needs.

Regards,
Andre, Project Manager, Euromonitor International


DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.