Conversation
RECORDING ACTIVE
ADVISOR (ENG)
10:42 AM
Can we focus on the Life protection for mortgage first? It seems like a priority for the new property in Kowloon.
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MR. CHAN (CAN)
10:43 AM
"Yes, we're worried if I can't work, how the mortgage will be paid. But I also want to look at Critical Illness cover for my child."
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ADVISOR (ENG)
10:44 AM
Understood. For the child's CI, we should aim for a lump sum that covers at least 3 years of household expenses plus medical costs.
MRS. CHAN (CAN)
10:45 AM
We have about $15,000 monthly budget available for this entire planning phase.
payments
Case Map: Chan Family
LIVE SYNC
PEOPLE
groups
MC
Mr. Chan
Age 35 | Non-Smoker
done_all CUSTOMER
AC
Mrs. Chan
Age 33 | Professional
done_all CUSTOMER
FINANCIAL CAPACITY
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Monthly Budget
$15,000 HKD
AI-AGENT CONFLICT
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AI detects $12,500 monthly surplus; Agent confirmed $15,000 based on physical documentation. Reconciliation required.
PROTECTION GAPS
AI PROPOSED
Life Protection
$8.5M HKD
Target Met
Critical Illness
-$2.0M HKD GAP
Action Recommended
Medical
Tier 2 Coverage
Adequate
PROPOSED STRATEGY
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CI PLUS PLAN
$2.5M Sum Assured
Covers 138 illnesses with child-specific boosters.
ENDOWMENT PLAN
15-Year Horizon
Targeting $800k HKD for education fund.
Process Readiness
READINESS SCORE
68%
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Extract Needs
Client needs profiled via transcript
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Check Affordability
Validating $15k/mo capacity
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Validate Suitability
Awaiting final gap analysis
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Generate Case File
Pending regulatory docs
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Build Proposal
MISSING ITEMS