Category: Clearly Surely

The Real Life Company delivers a real stunner [AIA’s latest innovation]

  Thought of the Day: Courage   For some strange reason, my mental word of the day is courage. Without looking up the ole’ Oxford, the best definition I can give about courage is: Being brave. Even when it is scary. Especially when it is scary.   We are sorely challenged to equate courage with […]

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IP premiums are spiralling out of control – Who is to blame?

Recently, TODAYonline published an article about the state of healthcare insurance. Like every Integrated Shield Plan (IP), the author experienced a premium raise in the past year and decided that she should write about the unsustainable increase in healthcare insurance in the future. Her conclusion? More insurance is not good; the insurers and the consumers […]

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Preliminary Underwriting – The Insurance Hack you wish you knew

  After spending over a decade across the banking and insurance industry, and running an insurance education site for close to 3 years, there is one stark realization that I have come to. That is, there is always something out there for me to learn. Be it stories or concepts, perspectives or terminology, it does […]

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You don’t have to be rich to be properly insured

“I have no money for insurance.” “Insurance is for rich folks only.” “ClearlySurely is the best place for me to find out about life insurance.” The first sentences are patently untrue. And the last one is definitely correct. That is why we are going to disprove the idea that insurance is affordable with our very […]

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Manulife’s New MOVE-ment [Defraying your Premiums, One step at a time]

  Apparently it pays to be an Influencer these days. I think the old term for that was “blogger”, but then Influencer has a more self important ring to it. (“Yo, look at me! I write about stuff, and I influence others. Don’t play play!”) We never considered ourselves any of those. Just a bunch […]

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Dying sucks. This is how to make it suck less

On every Sunday morning, my friend Janice will bring her grandmother to the wet market at Redhill. As her grandma has stayed in that area for more than 30 years, she misses the company of her old friends very much after moving to Punggol in 2013. As her granny is wheelchair-bounded, it is inconvenient for […]

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Fee Based Advisory: A Promising New Paradigm?

  The new year is as good a time as any to explore thorny issues. While browsing yet another incident about flash floods all over Singapore, the (thankfully dry) curiosity gene in me wondered about the thorniest problem of all in the insurance industry.   Vested. Self. Interest.   Inherently this is manifested in the […]

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The Nearly PERFECT Guide to Life Insurance Cover 2018

Imagine this. You are walking on the pavement when an out-of-control car heads towards your direction. Out of nowhere, you are pushed from behind and manage to avoid the oncoming vehicle. You turn around and realise that the one lying underneath the errant car is actually your life insurance policy. This sounds a little crazy […]

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Not money, Not motivation: The one thing you need to have before buying Life Insurance

Poetry in Motion: The well oiled machine at work   It is indeed a sight to behold. Never in history of mankind have we ever seen such a technological marvel that works absolutely the way that its owners intended. Never breaking down, never needing any maintenance, and always humming along and doing its job 24/7. […]

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3 important lessons that you can take away from Sally Low’s despicable fraud.

Sally Low is an ex-AIA insurance agent who has conned an Indonesia couple into buying a totally made-up policy that is supposedly worth USD5.06 million. She has been sentenced to prison for 8 years for her unscrupulous behaviour in 2016. However, it was only on 27 Dec 2017 that the Court ordered AIA to pay […]

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