My foray into the insurance industry began in my final year in Singapore Management University (SMU). Juggling work and studies was not easy, especially with the steep learning curve of picking up new skills in a brand new industry. I was fortunate enough to be surrounded by peers and mentors who gave me consistent encouragement and kind words that built up to my success today.

In 2019, my efforts and hard work invested in my career finally paid off. Given this was my first job, and my first full year in the industry, achieving the Million Dollar Round Table (MDRT) membership, and Centurion excellence were huge milestones for me.


Surrounding yourself with people who support and motivate you.

My pillars of support are what spurs me on as a financial consultant. Firstly, the trust and continuous encouragement from all my clients keep me going as I chose this job with the aim of helping those around me. Secondly, leaders like Mr Gabriel Tan and Mr Martin Boey inspire me with their unyielding support and guidance, helping me keep the belief this career path is the right one for me.

Finally, my family members who have never lost faith in me have also given me with the continuous strength to strive and excel further in my career.


Building myself up as someone clients can trust completely.

Though we may have started off as complete strangers, most of my clients now consider me as a friend. I will always be there with a listening ear for them, be it to celebrate their joyous moments, or to think of solutions to concerns they may have. My goal is to make sure I am someone my clients will trust, to be responsive to them and of course, to walk down this life journey till we retire together.


Discipline is one of the most important traits a financial consultant must have.

Discipline plays a huge role in this industry, and I consider it to be one of my biggest strengths as a financial consultant. I strive to remain hardworking, and to keep to the daily routine that I set for myself.

In this career, it is the consistency and willingness to help our clients at any point of time that keeps new cases coming in. I always share knowledge and updates, be it with our clients or colleagues. I believe that when we teach, we grow too. At the end of the day, we just need to do what we need to do and be disciplined. That is how we can be competent as financial consultants.


Putting in the work consistently has led me to achieve goals beyond my expectations.

Achieving the MDRT 2020 is one my proudest accolades in my career so far. I always thought that MDRT was a faraway goal that was almost impossible for me to achieve, but last year, my hard-work and determination paid off. This dream was made possible as I stayed consistent in my efforts and activities, and armed myself with skills and knowledge I needed to focus on my chosen career path. Joining roadshows and not shying from street prospects since the beginning of the year also led to my success.


AIA FA Prestige Club – Titanium 2023 and 2022

AIA Centurion Club 2020

AIA High Net Worth Prestige Club (Personal Wealth Manager) 2020

Million Dollar Round Table 2023 and 2020

Bachelor of Business Management



I have always known Crystal as a person full of empathy, care and concern as well as a very hardworking person. She shares different types of policies, and explains which ones suit me the most. I had never understood the importance of insurance. However, with Crystal, she will always be there to answer my questions and guide me even after policy is bought. She truly places passion in her job and shows care and concern to her clients! Thumbs up!


I want to personally thank Crystal for helping me with policies for my daughter and myself. She is always quick in responding to my queries and claims. Very friendly and professional. She will help me review which policy that is suitable for me and one thing I appreciate most is that she is never pushy. I am very pleased and comfortable with her service. Highly recommend her!


I would like to commend Crystal for her exceptional service that she is doing for her clients at AIA FA. Crystal is very prompt in answering my questions and concerns and she has excellent knowledge to get matters resolved quickly. You have a winner’s attitude in Crystal and I appreciate that she takes her client’s needs seriously and I am sure she is a valuable member of her team. She is definitely a pleasure to work with.


I would like to express my heartiest thanks and gratitude to Crystal for her fantastic service. She always has a smile on her face, and her readiness to help or serve her clients are very much appreciated and praiseworthy. Crystal always stays very focused in understanding her clients’ needs patiently and then takes time to do analysis on that before coming up with the best suited plan for the client. She is professionally very matured and always stays connected with her client, sharing benefit updates in a timely manner which is very well received. Thank you, Crystal for your outstanding support and warm cooperation.


Crystal has been a pleasure to work, advising me on the policies that best caters to my needs, both current and for the future. She has also been cheerfully assisting me when I randomly call her to check on my coverage and to process my claims, without complaint. I appreciate that she truly thinks of what I deeply care about – be it via gifts that she gives as small gestures, or in the financial advice she provides.

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