I am in what I call “Underwriting Hell”. Underwriting in the context of insurance refers to the process where insurers assess the risk of an individual applying to take up insurance cover by looking at his medical history and health condition. Unhealthy people will naturally complicate the process, leading to a lot of added paperwork, trouble and complexities. I am not sure whether Singaporeans are really unhealthy, or it is just through self-selection that I encounter many of such people who only look for insurance when they have health problems. Surprisingly, many of such clients are relatively young people who are supposed to be in the pink of health. Since I recommend my insurance planning clients to take up beneficial forms of coverage which typically represent less profits and more risk for the insurers, the underwriting process becomes more tedious. Often, a great deal of work is done only for the......