Ben Ong

There is no single right multiple of salary. Work out what your dependants would need, subtract what is already in place, and buy the difference in the cheapest form that fits the years it has to cover.

Etiqa's Enrich flex plus is a savings endowment that can keep running after the first life insured dies. Here is how the guaranteed and illustrated returns actually split.

A practical method for sizing your sum assured without overpaying: income replacement plus liabilities minus assets.

Etiqa's Invest Wealth Purpose is a Shariah-compliant investment-linked plan carrying a start-up bonus of up to 75%. Here is what that bonus actually means, and what it does not.

Etiqa's entry-level investment-linked plan starts from S$200 a month and adds start-up bonus units. Here is what the published material says, and what a bonus really means.

Deductibles, riders, pro-ration, cash value: policy documents are full of terms that quietly change what you actually get paid. Here is a plain-English run-through of the ones that matter most.