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 Disability Insurance


Choosing The Best Disability Insurance For You

Some people think of retirement as a dreadful stage of life. Well, it could be especially when a person is suffering from an illness and he or she is not financially prepared for it. Even those who have a savings account would sometimes find it not enough to help them cope with this life's ordeal decently. 

Importance Of Choosing The Best Disability Insurance Plan 

The best way to avoid this scenario is to consider the right retirement planning Singapore financial advisors offer while you are still young and capable of earning money. A financial advisor will help you invest at least half of your savings and assure you that you're more than covered in the financial aspect once you retire. 
One of the investments that you may consider is acquiring disability insurance. There are different types of insurance policies for people who are suffering from temporary or permanent disability. So before getting one, it's important that you understand the policies' definition of disability, the terms and conditions, and the guaranteed benefits.

The Best Disability Insurance Plan Is The One That Fits Your Needs

Generally, there are four types of insurance policies that include "disability" as a major coverage. These are Life Insurance Plans, Disability Income Insurance Plans, Long Term Care Insurance Plans, and Accident Insurance Plans.
Life Insurance Plans usually cover total and permanent disability (TPD). A beneficiary of TPD should be one who has been suffering from an illness for at least 6 months which is expected to be permanent.  A person who has met an accident and incurred an irrevocable physical injury (especially in the eyesight and motor skills) will also be covered. 
In Disability Income Insurance Plans, the life insured does not need to have a permanent illness or physical injury to get covered by this type of insurance. As the name suggests, it aims to give the life insured an alternative source of income (through monthly payment) when he or she cannot go to work because of physical disability.
Long Term Care Insurance Plans also pay the insurer a monthly payment when he or she is suffering from a severe illness or injury due to an accident. The life insured should be at least 40 years old to be eligible for this insurance plan. It's worth noting that this plan is not tied to one's income.
Personal Accident Insurance Plans cover those who met an accident but did not end up losing their life to death or with total permanent disability. 
Knowing what you're getting into is the primary rule in investing. Applying this principle in choosing a disability insurance plan will help you determine which type of disability coverage is useful for you and which is not.