Insurance and protection that fits the gaps you actually have

Your policy stays in force and the insurer remains responsible for it; an agent leaving does not cancel your cover. Insurers usually assign another representative, and you can always contact the insurer directly. If you would rather choose who looks after you, Isaac can review those policies with you and, where the insurer allows it, service them going forward.

Not before a review. Ending a policy early usually costs money, the surrender value can be less than the premiums you have paid, and new cover is underwritten on your age and health today. That is why the review comes before any replacement. Three questions before you commit to a long-term plan sets out what to weigh.

MediShield Life is health insurance for large hospital bills and selected outpatient treatment costs; CareShield Life pays monthly for life if you develop a severe disability; the Dependants' Protection Scheme is term life insurance for eligible CPF members; and the Home Protection Scheme is mortgage-reducing insurance for HDB flat owners. A review counts these first, so you do not pay twice for the same cover. Life insurance in Singapore since 2001 explains how the shield plans build on MediShield Life.

An insurance review lists what you hold, what each policy pays and when, and what the national schemes add, then compares that with what would affect your family most. Bring your policy documents or annual statements; any gaps become clear from there.

It depends on who relies on your income, what you owe, and what you already hold, so there is no single right figure. A review works it out from your own numbers: the income your family would need, debts to clear, and what existing policies and schemes would already pay.

PhillipCapital offers products from a number of life and general insurers. Isaac sets the options side by side using the FDM method, weighted by what you said matters. Insurer and product names are discussed in a review, not listed on this site.