In general, all insurance offer the following products :

All financial products generally fits into the above classification of products, 1 or 2 of the categories. For example an investment link plan might have life insurance components in the plan as well. Similarly, a life plan might also have saving components in it as well. Therefore look for your financial consultant for a review on your portfolios.

The financial planning process can be best illustrated as a journey on a boat towards their financial goals. The financial goals can be anything that you would want to achieve in your life time. It might be just a car you want, a condominium you want, a comfortable retirement or your children education. So finding out what you want is important so start off with an end in mind.

The boat is the job that you are currently in now, it is a vehicle for you to move towards your goal however without the right tools to steer your boat, it will perhaps take longer or even never reach your goals. A Financial consultant is the engineer to advise you on the correct tools and equipment you are missing on your boat in order for you to reach your goals in the intended time frame you desired.