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Testimonials
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Vithal D Kardani
"It is my pleasure to write about Billy Singh. My friends in the neighborhood, and me, have known him since long time. He is very eager to provide professional services like life insurance, pension planning and others. He lives in New York, but whenever we need him in Florida, he is ready to fly down here to give advice or whatever else we need. He is very family oriented person, so he takes more time about my family’s needs. I wish him all the best in his business." March 18, 1999.
April 10th 2003 New Testimonial To whom it may Concern: "I was introduced to Mr. Billy Singh by a friend who had just moved from New York to Brandon, Florida in 1986. I wanted to set up a pension plan and Billy flew down to Florida to help me out. During the past 17 years, he has guided me in getting the appropriate amount of disability income insurance, life insurance and has helped managed my pension plan. He also helped to guide me in planning many years ago.
Over the years, as my income and my family needs increased, he updated, modified and added more insurance and investments. He has always done only what is appropriate for me and my family. Since April 2000 I have stopped working. I have become totally disabled due to MS. I was only 52 years old when this happened. Living a very comfortable life with my wife and two daughters, one in school and one in college at that time. As soon as informed Billy about my disability, he came to visit me in Florida. I was quite surprised that he made a special trip just to see me.
As my wife and I sat around the dining table, Billy reviewed every single insurance policy and my investments. He went over all the planning we had done over the years. He went on to explain that because I could not work as an anesthesiologist anymore, I would get a check from the insurance company every month, as long as I was disabled. This income would be income tax free.
When I had bought those insurance policies, so many years ago, I had not paid much attention to understanding the details. Although Billy had thoroughly explained me everything so many years ago, I had forgotten most of the details. I trusted Billy's opinion and knew he would do what was best for me. Our main concern now was that under the new circumstances, it was how to make premium payments on all the life insurance policies. We were much relieved when Billy informed us that he had included a special feature in all the insurance policies, that in the event of a disability, the insurance premiums would be waived by the insurance company on all the life and disability insurance policies for the rest of my life. Now we appreciate all that he did for me and my family. The life insurance is continuing to increase in cash value as well as the amount of my life insurance. Today I feel that life insurance is the bets investment I ever made. All other choices are down considerably.
After Billy sold me those disability and life policies, I used to wonder at times: 'why do I need so much insurance I have a good practice, making good money, I am healthy, what can happen to me?' Things are different now. Today, we can maintain our life style because of the excellent planning we have done with Billy’s help. I know what a difference this is making for my family. One of my daughters is doing her medical residency, and the other is in college. I don't have to worry about money.
I recall a few years ago when the stock market and my investments were doing great, I has cancelled all my insurance polices. Billy cared enough about me and my family and visited me to explain how he had coordinated and integrated my financial plans and laid down a solid foundation for my financial well being. He convinced me to that I was walking down the wrong path. I am glad he reinstated all my insurance policies. Today, I cannot imagine being without them.
My hand writing is getting shaky due to my illness. So, I am dictating this letter to my daughter because I want you to share my story with others who should realize the importance of proper financial planning. Billy has made a very big difference in our lives. He has done a great job. I am glad I met him. My whole family thanks him.
Sincerely,
Vithal D. Kardani
The Testimonial listed here may not be representative of the experience of other clients. |
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