There are a few battles you simply cannot afford to lose in life. While insurance would not enable you to avoid these catastrophic disasters, it can provide an important safety net for you to ride out these storms and gives you a piece of mind.

Notwithstanding the above, the recent announcement on major changes to the Integrated Shield Plan rider had thrown a spanner in the works to my insurance portfolio strategy.

My family’s journey

Very often, I look at my children and can’t help feeling how fortunate they are. At their age, they already had overseas holidays, get chauffeured to school in family car and live in a comfortable condominium. These are luxuries that I could only dream of when I was a young kid.

At some point, I even felt jealous of them because they don’t have an inkling [This is a premium article. The rest …