By: Patrick Lim Today, I had the onerous but urgent task of helping one of my clients to raise instant $$$ to fix very pressing needs. One of these is to pay his monthly mortgage loan. You see, he is in his early 50s and has been out of work for more than a year. Prior to this, he and some partners had invested heavily in a business venture in the People's Republic of China. Unfortunately, the business foundered which led to the situation he is in now. As he is a proponent of BTITR, and throughout the years when times were good, he put in his $$$ to invest but this was at best, a consistently inconsistent discipline and all largely due to his level of conspicious consumption or in simple language, maintaining a certain level of lifestyle. Now, the grim reality of not only raising instant cash is sorely exhausted but there are no other options to explore because his term policies as is generally the case, without cash values. And to rub salt to the wound, he has no other resources to continue to pay premiums for even any of his term policies. Be that as it may, my best advice to him is to upgrade his current Incomeshield plan to an 'as-charged' shield plan. In addition, to hang on to his dependents' protection scheme and to take up a supplementary Eldershield plan.