Underwriting Requirements For Your Mortgage Insurance – Part 2 Of 3

August 24, 2009

In the first part of my Three Part Series on Mortgage Insurance, I have shared why you should consider having a Mortgage Insurance to cover your Private Housing Loan and not to wait to sell of your Property and that a Mortgage Insurance would be beneficial to you because:

The Premium is the lowest as compared [...]

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Mortgage Insurance For Your Mortgage Loan – Part 1 of 3

August 10, 2009

With the recent property boom in Singapore, there’s an increment in people taking up Private Bank Loan and thus creating a concern in terms of financial planning – a need to protect the mortgage loan (and their pricey assets) should anything unforeseen happen to the Loan Owners…
The Common Belief - Should Anything Happen, I Can Just [...]

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What Does It Mean When You Say No To Insurance

July 26, 2009

Have you ever wondered what does it mean to you when you decide to say No to a Financial Planner, who is doing up a financial needs analysis and at the same time recommending some insurance plans to you?
The Role Of A Financial Planner
Basically the role of a Financial Planner is to make you realize [...]

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Are You Reading Or Hearing Your Guarantees?

July 11, 2009

If you are a person who are into fixed deposit offered by financial institutions or into those kind of single premium savings plan offered by insurance companies, I do have a question to ask you and that is
“Are you the kind who read your Benefit Illustration carefully especially on the Guaranteed and Projected Returns or [...]

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Have You Started Your Retirement Planning?

July 1, 2009

Part of a Good Financial Planning is planning well and early for your retirement and a good rule of thumb of starting your retirement planning can be well around your mid 20s as you may have started working by then and have the means to start saving.
What To Note For Your Retirement Planning
And the things [...]

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Just How Expected Is Unexpected, Question Is – Are You Prepared Today?

May 31, 2009

After working as a Financial Planner for the last two and a half years and being able to come across many real life situations with regards to insurance death claims – I have recently witnessed two death claims whereby

a guy in his late 40s whom lost his dearest wife and is in a total [...]

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What You Really Need To Know About Deductible, Co-Insurance, Rider and Pro-Ration

May 12, 2009

There seems to be a recent rise in the request to understand more about the difference between MediShield and our Private Medical Plans.
The reason for that I do not really know but one thing for sure, there are still many who do not understand the “As-Charged” features and its no link to the Deductible and [...]

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Should You Keep Your Dependent Protection Scheme (DPS)?

April 24, 2009

This month is one of the few times in the year whereby some PolicyHolders get the letter from our company to notify that their Dependent Protection Scheme or DPS is due for renewal and that they should make sure that their CPF-Ordinary and/or Special account still has sufficient fund to pay for the premiums.
The Issue [...]

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Do You Need To Get Both A Medical/Hospitalization And A Critical Illness Plan?

April 3, 2009

It’s good to notice the increased level of knowledge for insurance products (in this case – Hospitalization Plan and Critical Illness Plan) from Singaporeans. They are asking very good questions nowadays!
The Concern And The Questions
Singaporeans are starting to know the real importance of having both a Hospitalization Plan and A Critical Illness Plan as these [...]

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Understanding Your Private Health/Medical Insurance Scheme

March 28, 2009

For the last few days, there have been quite a few Clients who have been asking me about the idea of getting a Private Health Insurance Plan and if it’s feasible to do so.
I appreciate their interest in getting a health insurance plan and as I have shared in my previous post on the basic [...]

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