i was referred by an existing client to a large multi-national company in singapore who wanted a comprehensive review and recommendation of a worldwide health cover for one of her senior management staff and family. after doing my 'homework' which took the better half of a week, i tabulated my comprehensive recommendations (in an excel spread sheet) to the senior hr staff of the multi-national company. prior to this, the latter shared with me what an international broker has quoted to them and i assured her i can still value-add on top of what has been proposed. my comments: today, i was told that they have decided to go with the recommendation of the international broker, period and i was clearly upset that no reason was given as to why the business did not go my way. why was i upset? on the pricing and benefits of the worldwide health ......