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Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Contestability and non-disclosure: why honesty on the application form protects your claim
A life policy is only as good as the answers on the form it was built on. Here is what insurers can and cannot do when something was left out, and how to make sure your family's claim is paid.
Ben Ong
What happens to a life policy if you miss a premium: grace periods, lapse and reinstatement
A missed premium does not end your cover on the spot. Here is the sequence Singapore life insurers follow, from the grace period to lapse, and what it takes to bring a policy back.
Alice
Why premiums are cheaper when you are younger, and what "level premium" locks in
The cost of insuring a life rises every year you age. A level-premium term plan averages that rising cost into one flat figure, which is why the age you buy at matters more than most people expect.
Marcus
Free-look period in Singapore: the 14 days you can cancel without penalty
Most life and health policies in Singapore come with a cooling-off window of at least 14 days. Here is when the clock starts, what you get back, and which policies do not have one.
Priya
Naming a beneficiary: nomination of beneficiaries under Singapore's Insurance Act
A life policy pays out quickly only when the insurer knows who should receive the money. Here is how trust and revocable nominations work, what they do not cover, and how to keep them current.
Ben
Star Term Protect explained: benefits, limits and the fine print
A look at Income Insurance's Star Term Protect: what it covers, its renewal structure up to age 84, and which documents actually govern a claim.
Alice
What "sum assured" means, and how insurers decide how much they will offer you
The sum assured is the headline number on a life policy, but it is not always the amount paid. Here is what it means, how to size it, and why an insurer may offer less than you ask for.
Alice
Term life vs whole life for a first-time buyer in Singapore
Term and whole life both pay out on death, but they solve different problems and cost very differently. Here is how to tell which one your first policy should be.
Marcus
The Dependants' Protection Scheme: what it covers and why it is not enough on its own
Most working Singaporeans have DPS without ever applying for it. Here is what the scheme pays, who runs it, how the premium is deducted and why a family with a mortgage and young children usually needs more.
Priya