The right protection, sized to your life
Insurance Policies
Most Singaporeans hold three or four policies they barely remember signing up for, and one or two gaps they didn't realise they had. The job of a good plan is to flip that ratio.
I'll review what you already hold first, identify what's actually working, and only then recommend adjustments. The goal is the cover you need at a premium you can sustain for decades, not a stack of policies that lapse the first year money gets tight.
What this looks like in practice
Hospitalisation and Integrated Shield Plans
Reviewing your IP rider, deductible, and ward class against your actual hospital preferences and household budget.
Critical illness and early-stage cover
Sizing CI cover against your income replacement needs and existing employer benefits, including early-stage and multi-pay structures.
Term and whole-life
Choosing between term cover for a defined need (mortgage, dependants until adulthood) and whole-life cover where lifetime protection is the priority.
Income protection and disability
Often the most overlooked piece. I'll check whether your existing cover would actually keep your household running through a long-term disability.
Common questions
Do I need a new policy, or is my existing cover enough?
Often the answer is the latter. The first conversation is a no-cost review of what you already hold. If a change isn't clearly better than the status quo, you'll hear that.
Will you push a particular insurer?
Recommendations are made on the merits of the policy against your needs and budget, [subject to the panel of insurers under the advisory firm's licence].
Not sure where to start?
The first conversation is a no-cost review of what you already have. I'll tell you honestly whether you need anything else, and what it's worth.