When I was in the army, around 19 years old, my parent somehow convinced me to get a NTUC life plan with my NS pay. As I started to work, I bought some life and accident plans from my brother, who eventually quit, after a few years. Currently, I’m with an AIA agent whom I purchase my Medi-Sheid rider and add-ons from sometime back.

I’m sure some of you have the same experience as me where the Insurance policies you have are purchased from different people at different times of your life. This can result in policies that might not be optimized for you.

So when I became more financially aware, I did a review of my insurance policies to see if there are any inefficiencies that I can improve on. Fortunately, my current agent is quite good and provided me with a table summarizing the coverage of all of the insurance plans I have.

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