• Commissions-based insurance in Singapore

- Long lost friends calling you up

- Insurance advise given might not be objective or "free"

- Understand what is Conflict of Interests

• Hospitalization (Medishield) insurance is a Must

- Include private hospital insurance and/or 10% co-payment

- Not only for yourselves but also your immediate family

- Hospital debts are not waived, even upon death

• Term insurance (for breadwinner) and invest the rest ...