Category: Clearly Surely

Clash of two Paradigms: Commission-based vs Fee-based Advisory [An Industry Practitioner shares his thoughts]

Today we feel like dragging out one of the most thorny issues ever to plague the Insurance industry: Its compensation model. More specifically, a commission based system vs a fee based system. (These are the two most well known in the market, with pure salaried advisers being rare to come by) Of course we don’t […]

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The Real Way To Compare Travel Insurance Insurers Don’t Want You To Know

Travelling is the third favourite past-time of Singaporeans, right behind queuing and complaining. According to a 2015 Expedia survey, almost 50 percent of Singaporeans take up to two vacations a year. Around 27 percent of Singaporeans take at least four vacations in a year!   Singaporeans Are Vacation-Deprived. Can You Believe It?    The need […]

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Financial Advice Demystified: Why only great Financial Advisors can provide it.

Some job titles are so obvious that it needs little explanation. A salesman makes sales, a business a gunman makes guns and a deliveryman make deliveries.     Naturally, we assume that all Financial Advisors (FA) dispense Financial Advice. That is not the case. Like every job out there. some people are simply not doing […]

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An Insurer can now provide medical – and emotional – peace of mind [AIA shows us how]

We have long known that Insurance is meant for peace of mind. Financial peace of mind, that is. Payouts that take care of hospitalization bills, living expenses and personal liabilities. But there are times that we require more than just money.   A prime example is when a person is diagnosed with a serious illness, […]

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How to adopt the correct Insurance mindset: 3 Stellar tips from an Economist

Here’s something that we get a lot from people that read our blog: “How do you guys keep coming up with fresh ways to present Insurance in a new light?” My first impulse would be to attribute it to our devil-may-care attitude. (If it works, it works. Just keep trying something new lor) But after […]

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Submitting your proposal? This is why the insurance quotation may not be the final price

You examine the financial plan that has been carefully drawn up by your consultant. Horace, who was recommended by your sister, has done a fantastic job. He had listened carefully to your concerns, arranged a few insurance plans that would provide comprehensive coverage to you and your family. Most importantly, the insurance quotations are within […]

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Do you really need Disability Income Insurance? A firsthand account lays out the complete truth

Mark is no stranger to Insurance. He is one of the few people that we’ve met who did his own extensive research on various policies before deciding to buy them – with minimal assistance from any adviser. He also had the experience of doing his own claims when he was diagnosed with cancer, which further […]

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Singapore’s Protection Gap 2017 report card just came out. We erm, need to talk

Ah, the trepidation of receiving your results! Who can ever forget that? The culmination of years and years of hard work (for some), distilled down to a single piece of paper with several alphabets. Some people might walk out in jubilation, others might stumble out in tears and disbelief. While those years are thankfully behind […]

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