Impacting Lives Through Financial Planning
At IPA, our tagline—”Impacting People Always”—is more than just a slogan; it is the foundation of everything we do. Since our inception, we have been dedicated to helping individuals and families secure their financial future through thoughtful and strategic planning. One of the most fundamental yet often overlooked aspects of financial security is life insurance. Unlike the typical sales-driven narratives, we believe in presenting a transparent, no-pressure perspective on its true value.
Founded in 1991, IPA Advisory has grown into an established, one-stop financial services group operating on an open financial platform. Our licensed professionals offer comprehensive financial planning, encompassing a full range of investment products, investment-linked policies, and insurance solutions. By providing unbiased advice, we ensure that our clients receive tailored financial strategies that align with their unique needs and aspirations.
Understanding Open-Ended Pay-on-Death (OPD) Policies
One of the most effective financial tools available is the Open-Ended Pay-on-Death (OPD) policy. This type of policy guarantees a payout of the insured sum upon death and, in many cases, also provides coverage for Total and Permanent Disability (TPD) before the insured reaches the age of 65 or 70. In some cases, it even includes coverage for Terminal Illness, offering financial relief when it is needed most.
Since death is an inevitable reality for all, subscribing to an OPD policy is a strategic way to capitalize on life’s certainty. Rather than viewing it as a mere expense, it can be seen as a financial tool that ensures your loved ones receive a guaranteed sum at a time when they need it the most. In essence, an OPD policy allows you to “cash in on your own time,” transforming an unavoidable event into an opportunity to provide for your family’s future.
The Bottom Line
Given these undeniable benefits, the decision to secure an OPD policy should not be based on “if” you should have one, but rather “why not?” The financial security it provides can be life-changing, especially for families looking to break through socio-economic barriers. For many, an OPD policy is not just about wealth protection—it is wealth creation. It can serve as a stepping stone for future generations, opening doors to opportunities that might otherwise be out of reach.
At the end of the day, financial planning is about empowerment—making choices today that will safeguard your future. And while financial security is the ultimate gift you can give your loved ones, it is also the best gift you can give yourself. After working hard to pay off debts and build savings, rewarding yourself is important—but true financial freedom comes from having a solid, well-structured financial plan that ensures stability for years to come.
So, the real question isn’t “Why must you?”—it’s “Why not?”
DISCLAIMER: The contents including images, videos, audio and written texts found on the author’s social media page and other platforms does not constitute a research report and it does not have regard to the specific investment objectives, financial situation and particular needs of any specific recipient of this message. All material and content are strictly for informational purposes only. The contents posted should not constitute financial or investment advice and should not be considered as an offer, or solicitation, to deal in any of the securities or investment instruments mentioned in this message.
IPA Advisory is a proud representative of Manulife Financial Advisers. As part of the Manulife group, we provides access to a broad portfolio of financial products and services tailored to your needs.
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