This is the question that is on many people’s minds.

You will get this question more, lingering at the back of your mind, if you realize how long its been, since your insurance adviser called you up to have a cup of coffee.

Or when you realize your friends have insured much more than yourself. Are you under-insured?

Your family or yourself may face repercussion when your overall protection strategy do not hedge much health costs.

This often happen when you engage an adviser who is less experience, or that you plan your protection yourself with less than adequate information. Good advisers, can provide a good plan that provides a comprehensive plan.

However good advisers are hard to come by.

Since most advisers in Singapore are remunerated by commission, it is hard for you to tell whether their advice is biased, since you lack the competency to tell if its …