Insurance20 March 2026·4 min read

Insurance isn't just about premiums; it's about peace of mind

Cheap cover that lapses in year three is the most expensive insurance you'll ever buy. Some thoughts on sustainable protection.

[Placeholder] The first question on most policy reviews shouldn't be 'what's the lowest premium?'. The right question is: 'can I sustain this premium for the next 30 years without it pinching when life changes?'

[Placeholder] In my time at OCBC and DBS, I watched too many policies lapse in years two and three. The reason was almost never bad faith. It was over-sized cover, sold against an ambitious budget, that didn't survive a job change or a property purchase.

[Placeholder, to expand: how to right-size cover, what to do when budgets shift, the case for layered term + whole-life.]

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