[caption id="attachment_3038" align="alignright" width="150" caption="Photo by Patrick's Blog"][/caption] Yesterday, I learnt another real life lesson which I hope will NEVER ever occur again in terms of meeting or exceeding my client's expectations. A client and fellow church member (for the record, I knew him before I knew he was worshipping in our church) wished to take up another insurance policy.  This client is more than a client to me because all of his and his family's wealth protection portfolio has been placed with me together with a big chunk of his life savings into my recommended wealth accumulation portfolio which by the way, is still very much in the black at this point in time. Because he did not wish for any advice on the insurance policy of his choice, he ticked off option 4 in the kyc forms which states: "I do not wish to receive any advice from my fa representative." because of this, I submitted his formal application to the insurer for underwriting going against my sense of discretion and better judgement. and the result of the underwriting? It went against our (both my client and myself) expectations!