I am impressed and thankful that Freddy & Viviena has done a marvelous job by helping us to make claim from two Insurers he sold us, one is a hospitalization plan and the other is a lump sum Critical illness plan. Insurance is like an umbrella, you never know when you need it.

Freddy never fails to impress me with his ability to combine different policies to suit and maximize my needs. What makes Freddy stand out from the rest of the other financial advisors I have come across is his sincerity and dedication to his clients.

Eternal's knowledge and analysis of the various insurance policies vis-a-vis my needs are truly valuable input. I appreciate the care and attention that EFA provides, and I’m sure that theirs should be a benchmark for personalized service in the industry.

I had very little sense of how to manage my finances. All that changed when I met my advisor, Viviena Chin. Viviena has guided me patiently through financial management and securing my future financially.

Viviena and Freddy provide warmth and quality service, regardless of clients' status. Like I say before, I never have qualms to recommend Viviena and Freddy to anyone... and never have I ever heard a negative comment.

I really admire Freddy’s passion, persuasiveness and foresight because we didn’t want to buy any more insurance plan when he came to see us last year due to our tight budget and commitment.

As expatriate Canadians, we were immediately impressed and reassured by Viviena's deep understanding of not just health insurance offerings, but the actual (and potentially confusing) processes of securing coverage for an individual claim and being paid out.

Freddy is very professional and experienced. It is apparent that he studies the fine prints of insurance policies in depth as he is able to evaluate the pros and cons of the policies available in the market versus the one he proposes for me.

My husband Barnabas has had 2 huge episodes of illness. His heart stopped, leg almost amputated, lungs collapsed...but because of the policy we bought, we could have the care Barnabas needed, all the medical costs covered. We are so thankful to Viv and Fred for helping us with the right policies and handling our claims.