FAQs

MediShield Life is a good foundation — but it’s basic. It may not fully cover private hospital stays, long-term treatments, or big medical bills. Integrated Shield Plans (IPs) help Singaporeans close these gaps, so you don’t have to worry about dipping into savings or asking for help during a medical crisis. It becomes a matter of dignity.

Yes. Life changes — promotions, marriage, kids, aging parents. Your needs grow, but your old plans might not. A proper assessment helps ensure you’re still protected in the right ways, and not overpaying for things you no longer need.

We get it — some have had bad experiences. But not every advisor is the same. As for us, our approach has always been simple: Seek to first understand, and give advice the way I’d give my own family. You’ll never be pressured — just empowered to decide what fits.

Some insurance plans (like term) are purely for protection. But others — like Whole Life or Protection Investment-linked Plans (ILPs) — can grow your wealth while giving you coverage. However, in my opinion I don't think using the above mentioned types of plans (Whole Life/Protection ILPs) are the best ways to grow your wealth. There are other types of plans (Endowment/Savings, Annuity, Investment ILPs) and platforms that are available to help us grow our wealth effectively. It really depends on your requirements and objectives as it varies from individual to individual. 

The key is understanding what you're getting and why. 

Company insurance is great — but it’s not yours. If you change jobs or retire, voluntarily or involuntarily, it usually disappears. The coverage tends to be limited as well (depending on how extensive your employers had planned for.)

Having your own personal coverage ensures you’re protected no matter what happens at work.

This often happens with hospitalisation coverage — being an age-based plan and due to medical inflation. Even if you haven’t made a claim, your hospital plan premiums may still increase over time — especially when you move into higher age bands. Medical inflation refers to the rising cost of healthcare services and treatments year after year. In Singapore, this rate typically exceeds general inflation.

It’s important to review these regularly to ensure you're still getting good value and that it’s sustainable long-term. You can’t control medical inflation, but you can plan ahead. My advice is — don't sit on this. 

There's no one-size-fits-all. It depends on your income, liabilities, dependents, and goals. We will help you calculate your protection gap so you don’t get over-insured or under-protected — just the right fit for your life. It's important to have a good conversation with an advisor on this as it goes beyond just facts and figures. 

That’s more common than you think — and it’s okay. Let’s run through what you have, what it covers, and whether it still makes sense for your current life stage. No pressure, just clarity.

Not necessarily. They’re often misunderstood. ILPs work very well when structured properly and reviewed regularly. Ideally, you would want an advisor to actively manage your ILPs for you. But they’re not for everyone. We'll help you understand if it’s suitable for your goals and risk appetite.

If you have debts, aging parents, or plan to build a family — yes. Life insurance isn’t just for now, it’s to protect your future and ideal reality. Don't let all your hard work go to waste.

Definitely. Certain plans offer capital-guaranteed returns, monthly payouts, or even bonuses. Combined with CPF and investments, insurance can create a stable stream of income during retirement.

Start with what you actually need, not what’s trendy or pushed. We need to break it down with you — goals, budget, stage of life — and together we structure a plan that’s lean but solid.

Some plans come with premium holiday features or paid-up options. Instead of lapsing or cancelling, we plan ahead — so you always stay covered even during tough seasons. Remember Covid-19?

Yes — but smartly. Early coverage locks in low premiums and protects against unknowns. Some plans also grow with your child, serving as a gift for their future. As far as protection plans go, it's actually important to secure them for your child as he/she is not guaranteed to be insurable for the rest of his/her life.

We have seen several children who were uninsurable due to medical issues that surfaced along the way. That puts lots of stress on the parents. 

Not at all. It’s about having a clear game plan — for your health, wealth, and loved ones. Good insurance planning helps you live freely and allows you to focus on your career & family building with peace of mind no matter what stage you're in.