Penny Tok

Homemaker

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"Penny is unlike any other agent that I’ve met. She truly considers your needs and recommends the most suitable plans for you (and your family). She takes the time to holistically consolidate your portfolio and improves on it by recommending appropriate plans. She is an agent that genuinely wants to help you with financial planning, and I would highly recommend her!"

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Aircraft Engineer

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"I was initially apprehensive when Penny first approached me as I had met one too many pushy consultants. But she proceeded to blow me away with her patience and meticulousness. Penny worked hard to gather information about my existing policies and patiently explained to me what all the wordings meant. She then analysed and gave recommendations to cover the existing gaps in my portfolio. Just like her motto of being your best FRIENDnancial advisor, Penny only gave recommendations with my best interests at heart. And I knew I wasn't purchasing yet another policy that I did not require. In 3 meetings with Penny, I had learnt more about the polices I have and the ones out in the market than I had all these years. I would recommend Penny to anyone looking out there looking for a financial consultant! Because #everypennymatters, and Penny would make sure of that for you! 

Marketing Manager

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"Penny was very patient with all my questions and was also very proactive in suggesting more efficient ways of making payment, etc. I particularly liked that she did not try to hardsell me anything and was genuinely invested in helping me grow my funds! Even when she was unsure about certain specifics, she'd get back to me within the day. It also helps to know that Penny is literally just a WhatsApp away and that I can contact her anytime as she's so responsive. Thanks again Penny!"

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Cabin Crew

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"I got into a collision while playing sports. Little did I know it was necessary to undergo MRI and a surgery. Panicking about the high cost of the operation, I consulted with Penny. She guided me with the procedures and the hospital claims with my existing insurance. She has the care and concern for you unlike any other insurers. Her belief of every penny counts, her penny is as good as your penny. As a skeptical individual on insurances, Penny enlighten me on the perks of getting myself covered in times of needs. After being impressed with her assistance and genuineness, I decided to be insured with her."

Public Servant

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"For someone who is new to insurance, Penny made it really simple to understand the complicated policies in a no-frills, comprehensive way! Penny is friendly, easy to talk to and takes the time to answer all my questions which allowed me to make an informed decision. Would definitely recommend her to those buying their first insurance policies :)"

Stylist

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"Penny is super patient and takes time to understand your existing plans before recommending you other plans. She won’t push you to get a plan for the sake of getting one. Felt like she truly cares! :)"

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Real Estate Agent

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"Penny has been a breeze to work with. Aside from always having a positive disposition and being extremely patient, she is as competent and as professional as those two qualities can be. She answers my calls and attends to my questions promptly and if she didn’t have an answer for my questions, she made sure to call me back with the information I need. Although relatively new to the industry, with the heart she brings to every transaction, i am certain that Penny will be a force to be reckoned with in time to come."

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Sales Representative

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"Penny is a very patient and considerate agent. I feel that what sets her apart from other agents I’ve come across is that she actually LISTENS rather than hears me out. She takes the time to really dwell into the problem I’m facing and gives suggestion to tackle it accordingly. Such as understanding my budget and life events before suggesting a suitable plan to cater to my needs. This is very commendable because she isn’t trying to sell a product blindly, rather, she is selling a solution to my problem with a sincere heart to help improve my situation."

Analytical Support Officer

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"Penny is always very responsive to my questions. Sometimes, even if she may not know the answer, she would also clarify immediately so as to not keep us waiting. She's attentive to our needs and recommends product that best suit us, no hard-selling if you tell her you're not interested too. Am very happy to have her as my financial planner :)"

Student

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"Penny is someone who cares about your financial concerns and chooses a product that best fits your needs. Unlike other financial agents who are very hard sell, Penny engages in conversations with you to understand you better."

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Student

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"Penny was helpful and knew of the various plans in depth, which made it easier for us to understand what was being offered, and she also catered the plan according to our budget which was awesome!"

Student​

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"Penny is a kind and friendly person. She treats everyone as a friend regardless of age and introduces the investments without "sucking" all of my money. She makes sure to keep some money to spend on myself."

Beautician​

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"Penny has this very interesting system where I was able to see how financially capable I was in providing for myself. It also showed how if should an unfavourable incident were to happen to me, how I may overcome that and what I might have been lacking during the predicted times. It’s insightful and is a good tool to use should anyone think they need to plan for their future. I like how Penny is not your standard pushy sales person who is only out to get one more case to close and is genuinely there to aid in the planning of my future. I would recommend Penny to anyone who is keen in learning what could be needed in their lives."

Florist​

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"Penny is a very helpful and patient. Being an athlete, I get injured easily during my games or my daily workouts. Her prompt service and professionalism reduced my worries (financially) when it comes to seeking help for my injuries. Thank you Penny for helping me! #everyPENNYmatters!!"

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National Service (Full time) ​

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"Penny Tok takes her time to engage her audience to ensure that they are aware of what she is providing. She also does her best to make sure that her audience felt heard by diving deeper into topics which interest them and skimming through those that are irrelevant. Penny has shown me true dedication and interest in her work during our brief introduction which has earned my trust in her to handle my finances. Penny is also very competent and well verse in the various products she has to offer, often breaking down complicating topics into bit size information and will provide alternative solutions to solve my problems. I look forward to working with her"

Equity Research Analyst​

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"Penny always put herself in her client’s shoes and goes this extra mile for her clients. It doesn't matter whether the plan benefits her the most or not, what matters is that it benefits you the most as a client and this shines through when interacting with her about my policies! Would definitely recommend anyone who hasn't already given her a chance to do so. Also, she also has this policy of responding to clients' questions ASAP so it feels like your personal financial consultant is always there with you!"

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Cabin Crew​

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"Penny is a very responsible agent that is always willing to go the extra mile. She takes the time and effort to review and list down all the policies including policies from other companies. She notes down minute details such as when a policy will take effect after purchase/when the policy which has been terminated has officially ended and updates her clients. She also makes it a point to check with the clients regularly, following up on any matters on hand which were discussed before. I would recommend highly recommend Penny to anyone who is looking for policies for doing a such a excellent job!"

Creative Copywriter​

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"I bought an accident plan from Penny and have never turned back since. She's always there to answer my questions. Even if she doesn't have all the answers, she makes sure she checks and gets back to me. More than just a financial consultant, Penny understands that she's not just here to care about your numbers - she's here to care about YOU. There's no doubt in my mind to trust Penny with my pennies. She's honest, genuine and most of all - not pushy in the slightest! While there are so many horror stories out there of people having terrible experiences with Financial Consultants, I'm fortunate that that won't be me; all thanks to Penny!"