The old name “Dreaded Disease” policy conveys the fear we all have of the critical illnesses like cancer and heart attack and their serious consequences on the patient and his/her family. How useful and necessary are critical illness policies and what do you have to look out for in the many offerings by life insurance companies…

Is it possible to combine insurance and investments in unit trust? And if possible, is it good? Investment-linked policies (ILP) seek to combine life insurance and investments. What are the pros and cons of ILPs versus separating life insurance and unit trusts?

Popularly called a savings plan but with some insurance protection, an endowment policy is normally for a specific purpose. But care must be taken that there is adequate protection cover first…

Probably more feared than death by most, disability leads not only to death of income but also added medical expenses. A good disability insurance policy can take care of the “death of income” while the medical expenses will have to be covered by medical insurance…

Managers and employees of firms which provide Group Employee Benefits often think that their Group Hospital and Surgical policy (GHS) is sufficient and they don’t need any other individual plan. Check out why this may expose them to great risks...

Singaporeans working abroad and expatriates who might need or prefer overseas treatment will do well to look at International medical plans. Instead of relying solely on their CPF-approved plans or local medical plans..

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