Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Enhanced IncomeShield explained: benefits, limits and the fine print
Income Insurance's Enhanced IncomeShield is an Integrated Shield Plan with no lifetime claim limit. Here is how its three tiers differ and what governs the fine print.
Alice Tan
Using a whole life policy as a legacy: pros, cons and alternatives
Whole life cover pays out whenever you die, which makes it a tempting way to leave money behind. Here is how it works as a legacy tool, where it falls short, and what else does the same job.
Alice
PA insurance for seniors: cover for falls and fractures
A fall is one of the most common reasons an older person ends up in hospital, and personal accident cover pays out on accidents specifically. Here is what to check before buying.
Marcus
Essential lifetime secure explained: benefits, limits and the fine print
Etiqa's Essential lifetime secure is a limited-pay whole life plan with a multiplier of up to five times sum insured. Here is how that multiplier works, and what it does not extend to.
Priya
Whole life cash value: when does it actually exceed what you paid?
A whole life policy's cash value starts below the premiums you have paid in and can stay there for years. Here is what drives the crossover point.
Priya
Infectious disease riders on PA plans: dengue, HFMD and more
Some personal accident plans now pay out for a defined list of infectious diseases as well as accidents. Here is how that benefit is typically structured and its limits.
Daniel
Weekly income benefit in a PA policy
Personal accident plans are best known for the lump-sum payout, but many also pay a weekly amount while an injury keeps you off work. Here is how that benefit is usually structured.
Marcus
Limited-pay whole life: paying for 15 years to be covered for life
A limited-pay whole life plan compresses a lifetime of premiums into 5 to 30 years. This guide explains how the arithmetic works, what is guaranteed and what is not, and the questions to ask before committing.
Alice
EQ MaidSafe explained: benefits, limits and the fine print
EQ MaidSafe meets MOM's insurance requirements for hiring a migrant domestic worker, standing in for the S$5,000 security bond. Here is what the published page states about what it covers.
Chitra
Whole life with a multiplier: how "cover until 70, then reduce" plans work
Multiplier whole life plans boost the sum assured several times over during your working years, then fall back to the basic amount plus bonuses. Here is the mechanism, the trade-off against term cover, and what to check.
Priya
PA plans for gig workers and delivery riders
Gig work and delivery riding carry real accident exposure, without an employer's work injury cover behind it. Here is what a personal accident plan is built to do about that gap.
Daniel
Personal accident cover for children: playground injuries to dengue
Children spend more time exposed to falls, sports knocks and mosquito bites than most adults. Here is what a personal accident plan for a child covers, and what usually needs a separate benefit.
Marcus
Direct purchase term insurance (DPI): buying without commission
DPI is a class of standardised term and whole life products sold without advice and therefore without commission. Here is what the standard features are, who it suits, and how to buy it properly.
Marcus
MaidEase (Standard) explained: benefits, limits and the fine print
Sompo's MaidEase Standard plan carries a S$120,000 medical limit, double MOM's minimum, at a published price of S$530.95 for 26 months. Here is what else it covers.
Daniel
PA Secure explained: benefits, limits and the fine print
Income Insurance positions PA Secure as affordable family cover for children 12 and under, but its public page discloses little beyond that. Here is what to ask for.
Daniel
Accidental death and dismemberment: how the benefit scale works
A personal accident policy rarely pays a flat amount for every injury. Here is how the benefit scale that decides your payout actually works.
Daniel
Term insurance for couples: joint policies vs two single policies
Couples buying term life can choose one joint policy or two single ones. The two structures pay out differently and the difference matters most at the worst possible time.
Ben
Personal accident insurance: what it pays that life and medical do not
Personal accident cover overlaps with life and medical insurance but is not a duplicate of either. Here is exactly what it adds and why the gap matters.
Marcus
Decreasing term for a mortgage vs level term for income replacement
Both are term life insurance, but they shrink differently. Here is why a mortgage usually calls for a decreasing sum assured while income replacement calls for a level one.
Alice
MaidEase (Prestige Plus) explained: benefits, limits and the fine print
Sompo's top MaidEase tier carries a S$160,000 medical limit and a fidelity guarantee. Here is what Prestige Plus actually covers and what still sits outside it.
Chitra
How much does SGD 1 million of term cover cost? Reading the price drivers
Insurers advertise S$1 million of term cover for well under a dollar a day, but that headline hides a long list of assumptions. This guide explains what moves the premium and how to compare quotes properly.
Marcus
Contractors' all-risks insurance for renovation and construction
A renovation or construction site carries risks an ordinary property policy does not anticipate. Contractors' All Risks insurance is built specifically for the work-in-progress period.
Daniel
Guaranteed renewable term and rising premiums at renewal
Renewable term promises you can keep the cover without a fresh medical check. It does not promise the price. Here is how renewal premiums are set, what is and is not guaranteed, and when level term is the better buy.
Ben
Marine cargo insurance for importers
Goods can be damaged or lost anywhere between a supplier's warehouse and your door. Marine cargo insurance is how importers cover that exposure, and it is not automatically included in freight costs.
Daniel