"Husbands do not care about insurance, only widows do" - Anonymous 

For some of you, you have a great responsibility in taking care of your family. Your dependents rely on you to provide for them. You are worried about the financial implications to your family if anything happens to you. The good news is that most of such financial risks can be transfer through a contract call an insurance contract.

It is also a misconception to believe that paying a high insurance premium implies adequate insurance. You may like to know that the pricing of insurance differs significantly from insurer to insurer. Never assume that the insurer you know is the most competitive. There are 12 life insurers in Singapore, do not limit yourself to just one or two. Your premium saving could significantly be reduced through the choice of selecting the appropriate and cost competitive policies from the most competitive insurer.

For needs-based protection planning, it involves you disclosing your financial situation so that the required calculations can be made on whether you are adequately protected. Such planning also reviews your existing insurance policies which may or may not be appropriate depending on the changes to your financial situation since the time you bought them. Read my blog HERE on how I design a good insurance portfolio. For needs-based protection planning, face-face meeting is required from the onset. For such a service, there might be a consultation fee depending on the complexity of the case.

For product-based insurance advice, you tell us the insurance products you are keen and we email you with the benefit illustrations from the insurers which we carry. You can request for quotations by contacting us. There is no need to meet unless you are keen to make a purchase. There is also no obligation when requesting for information. Such product-based insurance advice is suitable for clients who preferred to do their own research without much assistance.  Do take note of the following:

Whole Life limited premium products. We will quote TM Legacy, NTUC Income Vivolife, Aviva IdealLiving, Manulife LifeProtector, and UOB Life MaxiLife (With CI Shield). Please supply the life assured’s name, gender, birthdate, smoking status, occupation, residency and nationality. For 3rd party, supply the name of policyholder and correspondingly the gender, birthdate, smoking status , occupation, residency and nationality.

Term products. We will quote from NTUC Income, Aviva WealthProtector, AXA FutureProtector, HSBC ValueTerm, Friends Provident Global Term, Transamerica Transsetter Super, ManuTerm, UOB Life Special and TM Peace of Mind. Please supply the life assured’s name, gender, birthdate, smoking status, occupation, residency and nationality.

Medical Insurance. We will quote from NTUC Enhanced Incomeshield and Aviva Myshield.

Disability Income. We will quote from Aviva IdealIncome. Please supply the life assured’s name, gender, birthdate, smoking status, occupation, residency and nationality.

Endowment products (e.g. children’s education). We will quote from TM Education, TM Nest Egg,  NTUC Income PayMyUni and Endowment,