Category: Clearly Surely

What exactly does Total and Permanent Disability (TPD) Insurance cover? [We dig deeper]

The Total and Permanent Disability Cover clause is a mainstay of many Life Insurance plans. Often it is embedded within the plan, without the option to decouple (or remove) it – such is its fundamental nature. We can find it in pretty much every major class of policy there is out there – Term Plans […]

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What can you actually claim out of Insurance? [Handy Guide]

This happens like clockwork every year. You open up your letterbox and find more mails than usual. Besides your customary bills, there are some nondescript envelopes in there. Your annual policy statements.   The usual protocol is the straight bin protocol – they go straight to the bin, that is. But this time, a question […]

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The Absolute best time to buy Life Insurance [We share the Secret]

Why waste good money on Premiums?   Psst. We’ve got a great lobang for you. Yeah you, if you have been deciding for ages to get any insurance – or not. Of course we empathize with what you are thinking. It can wait right? Why not push it back 3 months, 6 months, even a […]

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3 Uniquely Singaporean Cultural Traits worth Protecting

After numerous complaint letters to the Straits Times forum, the Director of Hawker Centre Division (NEA) finally announced that there would be no chope’ing of seats at two food centres. And we wonder how are they going to enforce that?     This issue is as divisive as the upcoming Presidential election. Some feel that […]

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John Wick goes Insurance shopping. We chronicled the entire experience

Welcome to an alternate universe, the world where John Wick exists. The first rule, and perhaps the most helpful one, to observe in this world is that things are never quite as they seem on the surface.   He had retired. Comfortably, too. John Wick was one of the best known, analyst, in the business. […]

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How much are you actually worth?

“How much is your life worth to you?” This question was last posed by a philosophical robber who decided to illustrate his point that my life is priceless and I should not be doing anything funny to jeopardize it. I surrendered my handphone and wallet immediately upon hearing such an illuminating question.     While […]

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Help! What is the best way to Increase my Coverage? [You ask, We answer]

This week we have a most interesting case study that came about from a reader reaching out to us. We receive questions about Life Insurance regularly via email, but this is the first time we are answering it via a blog post. Big shout out to Nicole, who has been a great sport! This post […]

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The unsung hero of success: in all shapes and sizes

What mental images come to your mind when you hear the word success? A rich, powerful figure? One brave little boy who rise up against all odds to be the top student? Or a smiley muscular athlete that enjoys his sports as much as winning? Success is always associated with winning, getting wealthy and being […]

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He died – And left me struggling with the bills

*This article was contributed by Vivian Chen, whose client had to cope with the devastating loss of her husband, her business, and deal with unpaid bills even months after his passing*   The Build Up   This scenario is probably replayed countless times across the ages, yet it still happens because people underestimate the severity […]

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Poof! The Middleman is gone. And your Term Plan just got better

Great things happen – once the Middleman vanishes   Disruption seems to be the buzz word of choice these days. Most disruption focuses on making goods and services cheaper, faster, and better – often by removing the middleman. We’ve seen this happen time and again across various industries. Transport, travel, and retail have the most easily […]

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