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CLEARLYSURELY.COM
CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option toSINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars. FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Same Same: They all pass (some) common tests. To practice financial advisory, all agents in Singapore need to pass 3 exams before applying for their license. The basic exam descriptions is as below; M9 – “Life Insurance and Investment-Linked Policies”, and Health Insurance (HI) All it takes is a couple of MCQ tests. I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Tobacco tax has just been raised on 19 Feb 2018. And even the insurance companies are charging smokers more! In case you have missed out our piece on how much additional premium that smokers pay, we do a quick recap below. 1.21% more on Endowment Plans. An additional 14.5% on your Whole Life Policy. PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM The Life Insurance industry is about to be upended, they just don’t know it yet. If Financial Literacy and Discovery were a tune, this would be its all time hit. Mercy, don’t encroach on our entertainment space. Once we tie down the details, iClearlySurely will be a thing. It will be THE THING. STAYING IN AN A1 WARD The main reason to stay in an A1 Ward. Having stayed in an A1 Ward and having seen the conditions of the other ward types (B1, B2 and C), here is my strongest reason for choosing A1 every time: You have more privacy and quiet space. Personally, this is AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option toSINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars. FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Same Same: They all pass (some) common tests. To practice financial advisory, all agents in Singapore need to pass 3 exams before applying for their license. The basic exam descriptions is as below; M9 – “Life Insurance and Investment-Linked Policies”, and Health Insurance (HI) All it takes is a couple of MCQ tests. I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Tobacco tax has just been raised on 19 Feb 2018. And even the insurance companies are charging smokers more! In case you have missed out our piece on how much additional premium that smokers pay, we do a quick recap below. 1.21% more on Endowment Plans. An additional 14.5% on your Whole Life Policy. PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this ABOUT US - CLEARLY SURELY 01 Answer at your own pace. 02 Learn at your own pace. 03 Share at your own pace. And when you see the need – own the right products at your own pace. And because you did most of the hard work, we rebate you with each purchase – in warm, fuzzy cash. To be used as you seefit.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. WHAT COLOUR IS YOUR RETIREMENT? Risk is the obvious determinant that would make or break our retirement plan. When we see the traffic lights, we follow the red, yellow and green lights because we know what to expect if we did not comply. This is the exact same concept for investing and saving for retirement. Red means to examine carefully. Yellow means to take note,or be alert.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? 4 A standard plan costs $540 annually, with all the bells and whistles thrown in. So Desmond’s insurance costs each month to meet his insurance needs range from: $185 (low end) to. $785 (higher end) One last thing left to do. If you want to address any Insurance coverage shortfalls on your own, check out FWD Insurance. YOURS, UTMOSTLY & FAITHFULLY Utmost good faith is derived from Latin phrase, uberrimae fidei (“most abundant faith”). It simply means that both the proposer (likely you) and insurer have the duty to disclose all relevant facts honestly and openly when formulating an insurance contract. This principle is only applicable to insurance agreements and not to allcontracts.
PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this HOW TO CALCULATE THE AMOUNT OF CRITICAL ILLNESS COVER YOU The nature of Critical Illness cover. If you are diagnosed with a sufficiently severe degree of Critical illness (as defined by your insurer in the policy documents) you will get the entire stated payout, and you get to use the money however you see fit. I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Tobacco tax has just been raised on 19 Feb 2018. And even the insurance companies are charging smokers more! In case you have missed out our piece on how much additional premium that smokers pay, we do a quick recap below. 1.21% more on Endowment Plans. An additional 14.5% on your Whole Life Policy. MIXING INSURANCE WITH INVESTMENT SUCKS. JAMES BOND The second major reason why it sucks: You are locked in and committed to a monthly amount. In some cases, that period can be up to 30 years. For Insurance, protection is an ongoing need, and hence necessary to be locked in. But for Investment, locking yourself in isn’t a terribly clever idea. 3 IMPORTANT LESSONS THAT YOU CAN TAKE AWAY FROM SALLY LOW 3 important lessons that you can take away from Sally Low’s despicable fraud. Sally Low is an ex-AIA insurance agent who conned an Indonesian couple into buying a bogus 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 2017that
CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM The Life Insurance industry is about to be upended, they just don’t know it yet. If Financial Literacy and Discovery were a tune, this would be its all time hit. Mercy, don’t encroach on our entertainment space. Once we tie down the details, iClearlySurely will be a thing. It will be THE THING. STAYING IN AN A1 WARD The main reason to stay in an A1 Ward. Having stayed in an A1 Ward and having seen the conditions of the other ward types (B1, B2 and C), here is my strongest reason for choosing A1 every time: You have more privacy and quiet space. Personally, this is HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. WHAT COLOUR IS YOUR RETIREMENT? Risk is the obvious determinant that would make or break our retirement plan. When we see the traffic lights, we follow the red, yellow and green lights because we know what to expect if we did not comply. This is the exact same concept for investing and saving for retirement. Red means to examine carefully. Yellow means to take note,or be alert.
CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option to PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
SINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars. CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM The Life Insurance industry is about to be upended, they just don’t know it yet. If Financial Literacy and Discovery were a tune, this would be its all time hit. Mercy, don’t encroach on our entertainment space. Once we tie down the details, iClearlySurely will be a thing. It will be THE THING. STAYING IN AN A1 WARD The main reason to stay in an A1 Ward. Having stayed in an A1 Ward and having seen the conditions of the other ward types (B1, B2 and C), here is my strongest reason for choosing A1 every time: You have more privacy and quiet space. Personally, this is HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. WHAT COLOUR IS YOUR RETIREMENT? Risk is the obvious determinant that would make or break our retirement plan. When we see the traffic lights, we follow the red, yellow and green lights because we know what to expect if we did not comply. This is the exact same concept for investing and saving for retirement. Red means to examine carefully. Yellow means to take note,or be alert.
CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option to PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
SINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars.CLEARLY SURELY
Singapore’s only dedicated Life Insurance Blog. We discuss about Life Insurance matters here – advice, industry news, guides, facts and all manner of information. Plus we’re funny. HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Same Same: They all pass (some) common tests. To practice financial advisory, all agents in Singapore need to pass 3 exams before applying for their license. The basic exam descriptions is as below; M9 – “Life Insurance and Investment-Linked Policies”, and Health Insurance (HI) All it takes is a couple of MCQ tests. WHY YOU SHOULD KNOW ABOUT MORATORIUM 2) chronic obstructive lung disease, chronic cor pulmonale, pulmonary hypertension. 3) stroke. 4) liver cirrhosis. 5) paralysis. 6) osteoporosis. 7) AIDS or HIV infection. 8) thalassaemia intermediate/major. 9) diabetes with complications such as protein inurine or
YOURS, UTMOSTLY & FAITHFULLY Utmost good faith is derived from Latin phrase, uberrimae fidei (“most abundant faith”). It simply means that both the proposer (likely you) and insurer have the duty to disclose all relevant facts honestly and openly when formulating an insurance contract. This principle is only applicable to insurance agreements and not to allcontracts.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? 4 A standard plan costs $540 annually, with all the bells and whistles thrown in. So Desmond’s insurance costs each month to meet his insurance needs range from: $185 (low end) to. $785 (higher end) One last thing left to do. If you want to address any Insurance coverage shortfalls on your own, check out FWD Insurance. MIXING INSURANCE WITH INVESTMENT SUCKS. JAMES BOND The second major reason why it sucks: You are locked in and committed to a monthly amount. In some cases, that period can be up to 30 years. For Insurance, protection is an ongoing need, and hence necessary to be locked in. But for Investment, locking yourself in isn’t a terribly clever idea. I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Tobacco tax has just been raised on 19 Feb 2018. And even the insurance companies are charging smokers more! In case you have missed out our piece on how much additional premium that smokers pay, we do a quick recap below. 1.21% more on Endowment Plans. An additional 14.5% on your Whole Life Policy. 3 REASONS NEVER TO SURRENDER YOUR INSURANCE POLICY 1. You lose all the premiums you paid on it. There are better ways to flush money down the toilet, surrendering a policy is such a method. This is the primary reason that surrendering a policy is a bad idea. Generally speaking, a policy is the most expensive (value wise) when it is first started. PRO LIFETIME PROTECTOR ARCHIVES So AIA Singapore launched AIA Pro Lifetime Protector, an all-in-one investment-linked plan (ILP), alongside three distinctive riders, with market-first features specially introduced to satisfy the unmet needs of young families in Singapore. (as aforementioned in the study) It is the three distinctive riders that caught our attention, and we CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM Hours upon hours of hilariously educational content while you discover more about yourself and your finances. The perfect way to show your colleagues that you are 100% engaged at work. PRELIMINARY UNDERWRITING 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 STAYING IN AN A1 WARD The Backstory . Without going into much detail, I was scheduled for a minor surgery that expected me to be warded for 2 days. And since I am fully covered by an Integrated Shield Plan, I decided to make my maiden hospital stay in an A1 ward – because I can. CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
WHAT COLOUR IS YOUR RETIREMENT? Green money represents your assets which provide guaranteed values or growth. In financial planning, when we look at the accumulation and preservation, green money should be the base of your financial pyramid as it provides stability every financial plan needs. HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN Answers don’t come any more elegant than that. Back to our task on hand, and instead of asking about Life, we merely need an answer to: How much money do I need to spend on Insurance each month, so I get covered nice and snug like a caterpillar in a cocoon, without experiencing third world poverty one week before payday? AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past.SINGAPORE POOLS 4D
Its time to put on our mathematical hats! 4D, or 4 Digits, is a popular state run gambling game where fine folks place varying amounts of money to wager the outcome of 4 particular digits CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM Hours upon hours of hilariously educational content while you discover more about yourself and your finances. The perfect way to show your colleagues that you are 100% engaged at work. PRELIMINARY UNDERWRITING 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 STAYING IN AN A1 WARD The Backstory . Without going into much detail, I was scheduled for a minor surgery that expected me to be warded for 2 days. And since I am fully covered by an Integrated Shield Plan, I decided to make my maiden hospital stay in an A1 ward – because I can. CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan WHAT HAPPENS WHEN YOU DO NOT MAKE AN INSURANCE POLICYSEE MORE ONCLEARLYSURELY.COM
WHAT COLOUR IS YOUR RETIREMENT? Green money represents your assets which provide guaranteed values or growth. In financial planning, when we look at the accumulation and preservation, green money should be the base of your financial pyramid as it provides stability every financial plan needs. HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN Answers don’t come any more elegant than that. Back to our task on hand, and instead of asking about Life, we merely need an answer to: How much money do I need to spend on Insurance each month, so I get covered nice and snug like a caterpillar in a cocoon, without experiencing third world poverty one week before payday? AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past.SINGAPORE POOLS 4D
Its time to put on our mathematical hats! 4D, or 4 Digits, is a popular state run gambling game where fine folks place varying amounts of money to wager the outcome of 4 particular digitsCLEARLY SURELY
Singapore’s only dedicated Life Insurance Blog. We discuss about Life Insurance matters here – advice, industry news, guides, facts and all manner of information. Plus we’re funny. YOURS, UTMOSTLY & FAITHFULLY Introduction. Utmost good faith is derived from Latin phrase, uberrimae fidei (“most abundant faith”). It simply means that both the proposer (likely you) and insurer have the duty to disclose all relevant facts honestly and openly when formulating an insurancecontract.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN Answers don’t come any more elegant than that. Back to our task on hand, and instead of asking about Life, we merely need an answer to: How much money do I need to spend on Insurance each month, so I get covered nice and snug like a caterpillar in a cocoon, without experiencing third world poverty one week before payday? WHY YOU SHOULD KNOW ABOUT MORATORIUM For those unaware, pre-existing conditions are usually excluded from the coverage of a private shield insurance upon application. When you apply for a shield plan from an insurer, they will do a full medical underwriting by having you answer a health declaration questionnaire. FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Most Singaporeans think that a Financial Adviser and an Insurance agent are the same. In the eyes of the consumer they serve the samepurpose,
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? 4 Congratulations! Maybe you are considering buying insurance for yourself and your family. Maybe you have been presented a set of proposals from an insurance professional. Maybe you are just curious to know how much is the "right" amount PRO LIFETIME PROTECTOR ARCHIVES Edit: Credit to reader Edwina, who pointed out to us that overcoming ADHD is not about punishment. It requires much occupational therapy and also effort from all parties to overcome it. MIXING INSURANCE WITH INVESTMENT SUCKS. JAMES BOND Some things go fantastically well with each other. Like coffee and cake. Like children and dogs. Like Vodka Martinis and James Bond. Some people claim Insurance and Investment go fantastically well together too. At this point, I spew out my 3 REASONS NEVER TO SURRENDER YOUR INSURANCE POLICY It all happened so fast, much like a perfect wedding. You were swept off your feet by the proposal, and everything just felt right. The mood was perfect, the settings were unreal, and before you knew it, you said “Yes I do”, and signed on the dotted line. I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Filling up the life insurance proposal form is like visiting your girlfriend’s family for the very first time. You have to face an incessant firing of intrusive questions while CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM The Life Insurance industry is about to be upended, they just don’t know it yet. If Financial Literacy and Discovery were a tune, this would be its all time hit. Mercy, don’t encroach on our entertainment space. Once we tie down the details, iClearlySurely will be a thing. It will be THE THING. STAYING IN AN A1 WARD The main reason to stay in an A1 Ward. Having stayed in an A1 Ward and having seen the conditions of the other ward types (B1, B2 and C), here is my strongest reason for choosing A1 every time: You have more privacy and quiet space. Personally, this is WHAT COLOUR IS YOUR RETIREMENT? Risk is the obvious determinant that would make or break our retirement plan. When we see the traffic lights, we follow the red, yellow and green lights because we know what to expect if we did not comply. This is the exact same concept for investing and saving for retirement. Red means to examine carefully. Yellow means to take note,or be alert.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option to FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Same Same: They all pass (some) common tests. To practice financial advisory, all agents in Singapore need to pass 3 exams before applying for their license. The basic exam descriptions is as below; M9 – “Life Insurance and Investment-Linked Policies”, and Health Insurance (HI) All it takes is a couple of MCQ tests. I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
SINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars. CLEARLY SURELYCONTACTALL ABOUT USBLOGFORUM The Life Insurance industry is about to be upended, they just don’t know it yet. If Financial Literacy and Discovery were a tune, this would be its all time hit. Mercy, don’t encroach on our entertainment space. Once we tie down the details, iClearlySurely will be a thing. It will be THE THING. STAYING IN AN A1 WARD The main reason to stay in an A1 Ward. Having stayed in an A1 Ward and having seen the conditions of the other ward types (B1, B2 and C), here is my strongest reason for choosing A1 every time: You have more privacy and quiet space. Personally, this is WHAT COLOUR IS YOUR RETIREMENT? Risk is the obvious determinant that would make or break our retirement plan. When we see the traffic lights, we follow the red, yellow and green lights because we know what to expect if we did not comply. This is the exact same concept for investing and saving for retirement. Red means to examine carefully. Yellow means to take note,or be alert.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. CHOOSING TERM INSURANCE: RENEWABLE, FIXED OR CONVERTIBLE A plan with a renewable feature lets you renew (duh) the policy once it expires, following the same tenure as the original. An example would be a renewable Term Plan with a tenure of 5 years bought in 2015. When it expires in 2020, you will have the option to FINANCIAL ADVISER OR INSURANCE AGENT? SAME SAME, BUT Same Same: They all pass (some) common tests. To practice financial advisory, all agents in Singapore need to pass 3 exams before applying for their license. The basic exam descriptions is as below; M9 – “Life Insurance and Investment-Linked Policies”, and Health Insurance (HI) All it takes is a couple of MCQ tests. I WAS WARDED IN ONE OF SINGAPORE'S MOST EXPENSIVE This story was narrated to us by Zest Chia, whose client (Alex) had to be warded all of a sudden. Luckily it all turned out just fine, due to a prudent financial decision made in the past. PRELIMINARY UNDERWRITING Preliminary Underwriting (or TA Underwriting, in our parlance) is a process of enabling you to find out what are the best offerings ( price or coverage) from a particular insurer – given that you have a current health condition, or even come from a family with a chequered medical history. Do note that not every insurance company offers this AFTERMATH OF THE TANJONG PAGAR CAR CRASH: WHAT INSURANCESEE MORE ONCLEARLYSURELY.COM
SINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars.CLEARLY SURELY
Singapore’s only dedicated Life Insurance Blog. We discuss about Life Insurance matters here – advice, industry news, guides, facts and all manner of information. Plus we’re funny. HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? [AN An Integrated Shield Plan with all the upgrades – $2600 (a portion of that is actually payable by Medisave) A 200k Personal Accident Cover Plan – $250. Disability Income Insurance – $600. A standalone Early Stage Critical Illness Plan (50k) – $2300. The grand total: $8,150. YOURS, UTMOSTLY & FAITHFULLY Utmost good faith is derived from Latin phrase, uberrimae fidei (“most abundant faith”). It simply means that both the proposer (likely you) and insurer have the duty to disclose all relevant facts honestly and openly when formulating an insurance contract. This principle is only applicable to insurance agreements and not to allcontracts.
HOW MUCH SHOULD I SPEND ON INSURANCE EACH MONTH? 4 A standard plan costs $540 annually, with all the bells and whistles thrown in. So Desmond’s insurance costs each month to meet his insurance needs range from: $185 (low end) to. $785 (higher end) One last thing left to do. If you want to address any Insurance coverage shortfalls on your own, check out FWD Insurance. WHY YOU SHOULD KNOW ABOUT MORATORIUM 2) chronic obstructive lung disease, chronic cor pulmonale, pulmonary hypertension. 3) stroke. 4) liver cirrhosis. 5) paralysis. 6) osteoporosis. 7) AIDS or HIV infection. 8) thalassaemia intermediate/major. 9) diabetes with complications such as protein inurine or
MIXING INSURANCE WITH INVESTMENT SUCKS. JAMES BOND The second major reason why it sucks: You are locked in and committed to a monthly amount. In some cases, that period can be up to 30 years. For Insurance, protection is an ongoing need, and hence necessary to be locked in. But for Investment, locking yourself in isn’t a terribly clever idea. 3 REASONS NEVER TO SURRENDER YOUR INSURANCE POLICY 1. You lose all the premiums you paid on it. There are better ways to flush money down the toilet, surrendering a policy is such a method. This is the primary reason that surrendering a policy is a bad idea. Generally speaking, a policy is the most expensive (value wise) when it is first started. I AM A SMOKER. SHOULD I DECLARE WHEN BUYING INSURANCE Tobacco tax has just been raised on 19 Feb 2018. And even the insurance companies are charging smokers more! In case you have missed out our piece on how much additional premium that smokers pay, we do a quick recap below. 1.21% more on Endowment Plans. An additional 14.5% on your Whole Life Policy.SINGAPORE POOLS 4D
Chance of winning top prize = 1/10000 (1 chance in 10,000) Prize money of winning top prize = $3000. Expected value in this case = 1/10,000 X $2000 = $0.30 (30 cents) We repeat this calculation for the 2nd , 3rd prize which yields us $0.20 and $0.08 respectively. All the other numerical combinations yield us 0 dollars. PRO LIFETIME PROTECTOR ARCHIVES So AIA Singapore launched AIA Pro Lifetime Protector, an all-in-one investment-linked plan (ILP), alongside three distinctive riders, with market-first features specially introduced to satisfy the unmet needs of young families in Singapore. (as aforementioned in the study) It is the three distinctive riders that caught our attention, and we Discover Discuss CompareBlog About Us
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I don't believe in buying Life Insurance. So what are my options? For the nonbelievers of Insurance out there, we have not forgottenyou!
Financially Prudent Bedtime Stories Part 7 of 7 Tempting as it might be to lowball the professionals that provide you good service, the story of the Pied Piper tells us why it is not agood idea. At all.
Financially Prudent Bedtime Stories Part 6 of 7 In this alternate universe, Goldilocks uncovers the most common of investing errors that both humans and bears can make - and costing both species hundreds and thousands of dollars in lost profits Financially Prudent Bedtime Stories Part 5 of 7 Get informed about the most scandalous - and arguably - the most successful get rich quick schemes ever perpetrated in Singapore. The three little pigs are the best cautionary tale reminding us what laziness and greed can cost Financially Prudent Bedtime Stories Part 4 of 7 Learn about the adventures of Singaporean born Jack as he climbs a giant beanstalk to correct all the financial mistakes made by fresh graduates all over the world Financially Prudent Bedtime Stories Part 3 of 7 Make a run with Chicken Little as we explore the dark worlds of crafty credit cards, punitive instalment plans, dubious IPOs and Venture Capitalist idiots. Is the sky falling down? JOIN THE CONVERSATION SAF Term life - cheap?j
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Do enter your estimated monthly income Monthly income should be more than expenses ABOUT MONTHLY EXPENSES: This is the amount that you spend each month on average, including financial support given to all your Financial Dependents, if any. AMOUNT MONTHLY INCOME: This is your monthly average net income (without including CPF). It would be best to use a conservative estimate. YOUR FINANCIAL INFORMATION Your estimated age of Financial Independence (Retirement) Your Estimated Inflation Rate (%) ABOUT ESTIMATED AGE OF FINANCIAL INDEPENDENCE: This is the age where you expect to retire comfortably, without having to work. Many of your financial liabilities would have ceased by then. ABOUT INFLATION RATE: This is your long-term estimate of how much inflation is present. The higher the estimate, the more cover you will need. A good startingpoint is 3%.
AN IMPORTANT QUESTION Number of years required to recover from a Critical Illness WHY IS THIS IMPORTANT FOR YOU? This is the estimated amount of time you want to recover for, if struck by a Critical Illness. During recovery, you are not able to work or earn income. Studies have shown the average time required is 4 years, but you can increase this if you wish to be more conservative. YOUR FINANCIAL DEPENDENTS Do you have any financial dependents?Yes
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Is anyone depending on you for financial support? How many Child Dependents do you have? (0-4) Please enter child amount Enter at least one dependent Please enter from 0 to 4 How many Adult Dependents? Please enter adult amount Please enter from 0 to 4 WHO MIGHT BE A FINANCIAL DEPENDENT? He or she is someone that you provide financial support for, on a regular basis. They would require you to continue supporting them tilla certain age.
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