In Singapore, all Integrated Shield Plans (IPs) come with the option of purchasing riders. Before you jump in to purchase it just because your financial advisor says so, let’s first explore what exactly is a rider and its features so you can determine if you have the need for one. What are Integrated Shield Plan (IP) riders? Let’s assume you own a bicycle. For bicycles, you are provided with the choice of purchasing optional “attachments” that can unlock certain features and bring many benefits to your cycling adventures. For example, attaching a basket in the front allows you to carry your belongings conveniently. Or if you attach an additional bike seat, you can carry another companion on your cycle! So, think of these bicycle “attachments” as these IP riders – where they are the optional attachments that can be purchased on top of IPs that provide you benefits like covering...