This is the first and most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of one or more chance misfortunes, which will cause you to suffer unnecessary and tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.view more >>

The second Pillar of Wealth analyses your general financial health, such as cash flow and debt position. A net positive cash flow with no overcommitted liabilities is considered healthy. We will advise you how to effectively manage your cash flow and suggest ways to reduce, or avoid, unnecessary borrowing.view more >>

The third Pillar of Wealth drives you towards meeting your long term financial objectives through accumulation. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. We will help you develop a realistic and achievable program to meet these needs.view more >>

The fourth Pillar of Wealth maximises the growth potential of your assets. We help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.view more >>

This fifth and final Pillar of Wealth looks at preserving and distributing your estate. The only certainty in life is that it will not last forever. We will help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.view more >>

  • Wealth Protection
  • Wealth Maintenance
  • Wealth Accumulation
  • Wealth Enhancement
  • Wealth Distribution

Best Critical Illness Insurance

Best Critical Illness Insurance: Convention CI Plans Versus Term Plans

A closer look at conventional critical illness insurance products will reveal certain disadvantages. First, most of these CI insurance plans only make one-time lump sum payout. Second, these plans only consider claims for patients diagnosed with an advanced stage disease.

In a nutshell, a person who is afflicted with critical illnesses more than once throughout his or her life or is not yet diagnosed with an advanced stage CI, will no able to acquire his or her required benefits to sustain his healthcaruirements.

With the introduction of new insurance products in the market, there seems to be high hopes for improved medical coverage of critical illnesses defined by LIA Singapore, otherwise known as Life Insurance Association.

So what do these new insurance products bring to the table? How do they outperform their conventional counterparts? Well, these new insurance plans, collectively known right now as term plans, have a distinct edge over conventional plans for two reasons:

Caring for CI at an early stage
Term plans approve claims concerning diagnosis of a covered critical illness before reaching a CI’s advanced stages.

Developing a multiple payout scheme
Term plans accept multiple claims in the event that the policyholder is struck by more than a single critical illness throughout his/her lifetime.

What’s The Best Critical Illness Insurance

Despite the seemingly remarkable offers posed by term plans, not all insurance experts have become a fan of these new insurance products. Underlying factors such as complex definitions of a critical illness, steeper premiums and monthly payments, limitation clauses and exclusion of death benefits may put a strain on the otherwise laudable structures of these new CI insurance products.

To determine the best critical illness insurance for you, talk to a reputable financial adviser. These financial experts place your financial goals above their own interests. Get in touch with us today!