Adrian Khiat

Insurance Distribution Channels

April 6, 2008 by Adrian Khiat

By: Adrian Khiat Insurance and Investment products are distributed mainly by 3 channels: 1) Tied Agencies – Consultants that solely represent one insurance company. They are managed internally and tied to the company. 2) Bancassurance – It is the sales of Insurance Products via a bank by advisors on a salaried basis. Insurance Companies are [...]

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in Categories: Insurance

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Why Medical Insurance Premium Go Up only?

April 3, 2008 by Adrian Khiat

By: Adrian Khiat It is of no surprise to me that the premium of medical insurance kept going up over the years. We are aware that Medical Inflation hit something like 6.8% over the past 1 year.I had 3 experiences recently that make me feel that people abuse their insurances especially for those holding the [...]

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in Categories: Insurance

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Is it such a big loss?

March 31, 2008 by Adrian Khiat

By: Adrian Khiat I went finexis(one of the FA firm) at Parkview Square to visit an ex-colleague few days ago. I saw a group of young advisers rushing to submit their CPF investment cases. I get to know that some of them had not even went home the previous night because they need to prepare [...]

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in Categories: Personal Finance

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How much Critical Illnesses Cover?

March 29, 2008 by Adrian Khiat

By: Adrian Khiat I asked this question to many financial practitioners since I joined the industry 5 years ago. Most of them gave me different figures, like 10 times your annual income, as much as you can afford, or even a fixed amount like $200k, $300k seemingly plucked from the sky. I also couldn’t find [...]

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in Categories: Insurance

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The Credit Crunch de-mystified in 2 minutes

March 25, 2008 by Adrian Khiat

By: Adrian Khiat Every other day, we are seeing reports on the US Subprime problem. The reports frequently occupy the whole page in the Straits Times or Business Times. Lazy readers like you and me are put off by these reports. Are you guys still confused what is happening??? I try to summaries for busy [...]

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in Categories: Market Review and Trends

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Not happy with your Financial Institution?

March 14, 2008 by Adrian Khiat

By: Adrian Khiat What can you do and who can you turn to for help if you have a problem with a financial product that you have bought or the service standards of a financial institution. There are 3 levels for you to seek help. Level 1: The Financial Institution where you got the Financial [...]

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in Categories: Personal Finance

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Taking Risk or “Not” Taking Risk

March 6, 2008 by Adrian Khiat

By: Adrian Khiat I have mentioned in my previous postings that Singaporeans are living in an environment of gambling and speculuations. They are not living in an environment of guided Investment. Human by nature are risk averse and greedy at the same time. They overestimate returns and underestimate risk when they are greedy. They underestimate [...]

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in Categories: Investing

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