Archive

Insurance

Are your existing insurance plan suitable?

May 23, 2012 by Patrick See
I had lots of emails and queries regarding suitability. We have talks/seminar on investment suitability, Client Knowledge Assessment, Product Suitability, etc but what is insurance suitability?…. First of all, I am impressed/surprised that most Audience picked up this insurance jargon ‘suitability’. Congrats! Hence, the common question is what did I mean by the above title? [...]

in Categories: Insurance, Personal Finance

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In search of higher income and better standard of living. What’s missing?

May 22, 2012 by Patrick See
In my 16 years of practical experience being in the financial industry, I’ve assisted a handful in claims – death and diagnosis of major illness. Fortunately, all claims were processed and approved. Their loved ones and dependants are ‘well’ taken care off. I am writing to you as I am very concern for most of [...]

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AIA Platinum Legacy Series

May 15, 2012 by Ivan Guan
In keynote address at Life Insurance Association 50th Anniversary Gala Dinner, Ravi Menon, Managing Director of MAS said: Saving for the future, investing for returns, and protecting against risk – these are the fundamentals of managing our finances.  Yet so few of us do it well.  We are far better at earning an income than [...]

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6 Hours workshop on estate planning (9 & 10 May 2012)

May 15, 2012 by Wilfred Ling
Written by Wilfred Ling  Monday, 14 May 2012 On 9 & 10 May 2012, I conducted marathon workshops on estate planning. This is my first time doing so as I was unsure how the response would be. Each workshop lasted 6 hours. Altogether, there were 16 individuals who attended this talk. I consider it to be [...]

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If You Still Don’t Believe ILP is a Time Bomb? This time from the Horse’s mouth!

May 13, 2012 by Createwealth8888
Read? If You Still Don’t Believe ILP is a Time Bomb? One more experience shared invest, thesundyatime May 13, 2012. Pg 40 Risks of ILPs Mr Bradnon Lam, senior vice-president and head of consumer investment and insurance products at DBS Bank, explained that as ILPs feed into funds, depending on the structure, some may not [...]

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launch of zurich life insurance singapore

May 2, 2012 by Patrick Lim
today, david choo, the md of promiseland independent pte ltd and myself attended the grand launch of zurich life insurance singapore at the marina mandarin hotel. we have heard that zurich international life has applied for a full licence many months ago and today, the subsidiary of zurich insurance group, which is zurich life insurance [...]

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1st step to build your Financial Portfolio – Getting yourself covered with a Medical Insurance

May 1, 2012 by Dave
In Singapore, the cost of living has been increasing year after year. The same goes to medical costs. Cost of admission for common diseases: “This is a guest post from Verlin Tan, Financial Planner representing HSBC Insurance Singapore, specializing in Wealth Management.” Thus, how is one being safeguarded from the hefty costs of hospitalisation? Imagine [...]

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HSBC Early Critical Care

March 30, 2012 by eemin.the.ifa
HSBC Early Critical Care was launched in early March 2012. It is a pure term insurance protection focussed on early stage critical illness claims. Plan highlights - 100% term protection (standalone plan) - Covers 90 medical conditions across wide scope and severity of critical illnesses. - 100% payout of Sum Assured at all stages, subject [...]

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Are Advisers Who Sold Whole Life Plans Profit Driven?

March 28, 2012 by Tiang Chuan
As expected, in the aftermath of the news of  MAS’s  Financial Advisory Industry Review (FAIR), the media followed-up with more reports , particularly on the commission part. The 28th March 2012 issue of The Straits Times came with an article (Beware profit-driven insurance agents) on the sensitive issue. Disclaimer: I have sold whole life plans and am [...]

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Muslims In Singapore Can Now Use Revocable Nomination For Their Insurance Policies….

March 25, 2012 by Helmi Hakim
Alhamdulillah…. MUIS has issued a FATWA allowing Muslims to use revocable nomination for their insurance policies. (Myself and my client interviewed by BERITASuria, Malay news channel, few days ago. Click the link to view video) ………………………………………………………………………………………………………………………………………………………….. This new fatwa, is a fatwa that has been much welcome by the Muslim community who owns  insurance policies in [...]

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Insurance – Enhanced Endowment Policy Suck! (3)

March 24, 2012 by Createwealth8888
Read? Insurance – Enhanced Endowment Policy Suck! (2) This year, I didn’t receive any ”tulan” announcement of further bonus cut. It seems that bad market condition is temporary over. After paying premiums for the last 15 years, the Net Surrender Value is 95.4% of the total premium paid. It didn’t even manage to break even after 15 [...]

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About Annuity Benefits, Rate of Return

March 24, 2012 by Drizzt
Annuities is a financial instrument normally sold by insurance agents with the view of taking a lump sum from you in exchange of returning a fixed sum of money every month. In Singapore, the most common annuity that we come across is our CPF Life. It is very unpopular and people seem to think it [...]

in Categories: Insurance, Investing

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Go for your medical checkups!

March 20, 2012 by Jared Seah
Recently for the past 4 weeks, I’ve been visiting the Alexandra and National University hospitals twice and even thrice a week! No, I am well and fine, thank you very much. I am now caregiver to the person most dearest to me. I would like to share my reflections on the most important asset we [...]

in Categories: Insurance, Personal Finance

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HSBC launches new product – Early Critical Care

March 20, 2012 by Ivan Guan
Early critical illness insurance competition has just geared up. After AIA Complete Critical Cover, NTUC VivoCare and AXA’s Early-Payout LivingEnhancer, HSBC is the latest entrant for early critical illness coverage. Key features of Early Critical Care are Coverage of 28 Early, 27 Intermediate and 30 Critical Stage Medical Conditions – making early treatments possible Additional [...]

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Which type of insurance is best for me

March 18, 2012 by Dave
Throughout the years in my career, many people had asked me this question -” Which type of insurance is best for me?” The answer is very simple. Different insurance meets different needs. It depends of your lifestyle, background, dreams and personality to find something that suits you. Insurance policies are very complicated to look at [...]

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hsbc insurance – launch of early critical care

March 15, 2012 by Patrick Lim
hsbc insurance has just launched what i term as a second generation critical illness product, early critical care which is one of the most comprehensive protection plans currently available. benefits at a glance: Covers 90 conditions Enjoy comprehensive coverage against a wide range of illnesses. Provides 100% payout even for early stage critical illness Early [...]

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ntuc-income: launch of capital plus (CPN29)

March 13, 2012 by Patrick Lim
just received this email notification from ntuc-income: Dear Valued Business Partners, We are pleased to announce the launch of our limited-tranche non-participating 2-years single premium non-participating plan, Capital Plus (CPN29). *_Brief outline of the plan:_* Ø2-years single premium non-participating plan ØGuaranteed interest of 1.40%p.a. ØProvides TPD before age 65 years old (last birthday) and Death [...]

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NTUC Value Pack

March 5, 2012 by Martin Lee
NTUC Income has launched a Value Pack comprising a low-cost term insurance and Enhanced Incomeshield Plan C specially for the low income group and the uninsured. The Enhanced Incomeshield Plan C provides as charged (excluding deductibles and co-insurance) coverage at Singapore Restructured Hospitals for ward class B2 & below and is a step-downed version of the [...]

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