I used to be a business development manager with another insurance company for 4.5 years, and I enjoyed what I was doing back then with a very steady progression in my career too. Things took a turn when my head of department in the previous insurance company contracted terminal-stage cancer, and I witnessed how insurance payouts could help someone “buy time” and prolong his life long enough to spend time with his family. He also brought me around to give talks, using himself as a living example to educate others about the importance of insurance. That inspired me a lot, and after he passed on, I decided to continue his legacy of spreading the knowledge about the importance of insurance, and most importantly, proper financial planning for people around me.

A career that impacts lives
I chose this career because of the ability to impact lives by educating the people around me about the importance of financial planning. That is also why I decided to become a leader, as I knew this would allow me to further impact the lives of others through my associates. Seeing the success of the associates I mentored brings immense satisfaction, and this was what kept me going even though being a leader is challenging at times.

Have heart
Competence and expertise can be trained over time, but what I find important for every financial consultant to have is the heart to serve. As long as the heart is right, skills can be taught.

Do the right things
If ever you consider joining the financial advisory industry, remember — we are not product peddlers and we are not salespeople. We are financial consultants who must always have our clients’ best interests at heart. “People don’t care how much you know, but they want to know how much you care.” MDRT stands for “Must Do Right Things”.


AIA FA Prestige Club – Titanium 2023 and 2022

AIA FA Pinnacle Club – Unit 2023

AIA High Net Worth Prestige Club – Personal Wealth Manager 2023, 2022 and 2021

AIA FA Prestige Platinum Club 2021 and 2020

Million Dollar Round Table 2023, 2022, 2021, 2020 and 2019

International Dragon Award – Bronze Dragon Award (Agent Category) 2023, 2022, 2021, 2020 and 2019

100 IDA Team Award 2022, 2021, 2020 and 2019

Associate Estate Planning Practitioner (AEPP®)

Rockwills Estate Planner (REP)

Diploma in Hospitality and Tourism Management

Bachelor of Business in Marketing



Shermain Pan has been my financial advisor for more than 4 years. Back when I knew nothing about financial planning, she designed and created her own interesting and creative way of helping me understand the fundamental things I needed to know about financial planning by using analogies I can relate to which helped me also understand my current needs and financial position. She continually reviews my portfolio at least once a year, given that our life stages and priorities change from time to time, in order to ensure that my current and future financial needs are in line with my current life stage and financial abilities. More importantly, when I need her advice or expertise on some of these matters, she never fails to go above and beyond to help me with my 101 panic questions. She has also organised insightful and fun-filled events which I most definitely enjoy attending. I have recommended her to many of my family and friends and will continue to do so as she is one of the most helpful, friendly, knowledgeable, innovative and empathetic professional financial advisors that I know.


Jovial, motivated and always present, Shermain is definitely one of the most dedicated FAs I’ve met out there who delivers that personal human touch beyond the ‘close’. She also actively keeps herself up to date with current affairs and market conditions to constantly ensure her clients receive timely updates both on policies as well as opportunities and this gives me peace of mind handing my entire portfolio of policies into her hands. Thank you for the effort, and dedication over the years 😊


Shermain has been very patient with my never-ending impromptu queries. She will answer my concerns with patience and guidance which makes me feel very assured. During my most recent purchase of insurance for my 2nd child, Shermain would first understand my family’s financial situation and plan on how we can best plan for this purchase. There was no pressure nor obligation to purchase the most expensive selection. Thank you Shermain for helping my babies and me to be well insured with your sincerity and knowledge.


Shermain is a very dedicated agent who serves with her heart. She takes pride in her work and is always ready to answer any of your queries as fast as she possibly can!

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