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Hello Mr Tan, I am currently staying in a 38-yr old HDB flat and is fully paid. I am 44 years old.  As you might know, the price of an old HDB will continue to fall. What would you advise? a)... 26 Oct 2018, View: 133

A policyholder bought a 25 year participating endowment from AIA. She asked for my view.  I looked at the benefit illustration and gave this reply. The important point to consider is shown he... 26 Oct 2018, View: 70

Hi Mr Tan, I came across this product. Trouble you to give your analytical views.  Is it really that good? https://www.income.com.sg/insurance/life-insurance/whole-life-insurance/vivowealth-sol... 17 Sep 2018, View: 34

Mr. X allowed his car to move forward at a traffic stop and hit the car in front. The two drivers agreed not to make any claim as the damage was small. A few months later, Mr. X received a letter a... 30 Aug 2018, View: 105

A policyholder bought a PruFlexiCash policy and paid premium of $48,000 over 8 years. She received cash payback of $16,000. The net surrender value now is about $8,000. If she surrender her policy now... 17 Aug 2018, View: 69

Hi Mr Tan, My private banker recommended Manulife Universal Life Plan to me. Single Premium: USD722,457 Sum Assured: USD2.5m Proposal is to take a loan for the USD722,457 with zero cash outlay. I... 20 Jul 2018, View: 164

Dear Mr Tan, I’m 48 years old single man who is currently unemployed taking care of my 73 years old mum who has recently diagnosed of dementia. She is also a diabetic patient for more tha... 05 Jul 2018, View: 138

In this video, I explain about CareShield Life. It will be introduced in 2020 and will be compulsory for Singaporeans and permanent residents who are between 30 to 40 years. Those below 30 will hav... 24 Jun 2018, View: 58

The cost of the benefit under Care Shield Life depends on age and gender. If Care Shield Life is operated as a voluntary scheme, it is necessary to differentiate the premium rate by age and gender.... 10 Jun 2018, View: 21

The consumer has bought 6 insurance policies from two companies. He has made a tentative decision on which policies to give up but he wanted to consult me before making his final decision.  Th... 17 May 2018, View: 94