Editor’s Note: Cheng Hao is a competent financial services manager who uses a scoring system called 360-HappiU^® to persuade complacent customers.

What’s your experience in the advisory field?

I am a financial services manager with four years of experience. I enjoy grooming high achieving advisors, such as Court of Table (COT) and Million Dollar Round Table (MDRT) qualifiers (Editor’s note: COT qualifiers are the top 5% and MDRT qualifiers are the top 10% advisors in the industry).

Who are your customers?

I will have a pipeline of leads whom I will meet to review their portfolios. Many of them are in their twenties to thirties. Most of them have insurance coverage in some form.

What is one of your biggest challenges?

It is difficult to convince complacent customers as they usually underestimate the likelihood of a major illness happening to them ….