Tell us who depends on you and what you would want covered. A verified insurance professional who covers your area will get in touch to explain the types of life insurance, what affects the price and what to compare, before you commit.
A verified professional will get in touch.
Not sure which fits? Describe what you want to protect, and a professional can help you narrow it down.
Cover for a set number of years, usually the lowest cost for the amount.
Cover for life, with a cash value that builds over time, and a higher premium.
Cover combined with savings over a set period. Check the guaranteed amounts.
Part of the premium goes into funds, so the value can rise or fall.
A lump sum if you are diagnosed with a serious illness listed in the policy.
Cover your employer provides, which usually ends when you leave.
The older you are when you start, the more it usually costs.
Your medical history and any current conditions.
Smokers usually pay noticeably more than non-smokers.
How much the policy pays out and for how many years.
Term, whole life, endowment and investment-linked are priced very differently.
Critical illness, disability and other add-ons increase the premium.
Ask for the representative's details and check them on the MAS register.
And what would I add, and why?
And what it would cost over the years.
And what would I get back if I stopped early?
And is the nomination set up correctly?
The 14-day free-look period, and any charges after it.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Term, whole life, endowment and investment-linked plans do different jobs. You hear which fits what you want to protect.
You may already have cover through work or the Home Protection Scheme. You hear how to check it, and what it does and doesn't include.
You get the options explained. Whether to buy, and from whom, is always your decision.
Term insurance covers you for a set number of years and is usually the cheapest for a given amount. Whole life covers you for life and builds a cash value, but costs more. Endowment plans combine cover with savings over a set period. Investment-linked plans put part of your premium into funds, and carry risk. Each is different, so ask for the cost and the benefits side by side.
It depends on your debts, including your home loan, your family's living costs, how long they would need support, and what you already have. A representative can help you work out a sensible figure, and a financial planner can help with the wider picture.
Many employers provide group life insurance, and CPF members buying an HDB flat with CPF are normally covered by the Home Protection Scheme for their loan. Check what you have, what it costs and what it excludes, before you buy more.
Death cover pays if you die, total permanent disability cover pays if you can't work again, and critical illness cover pays on diagnosis of a listed serious illness. They are often sold together or as riders, and each costs extra. Ask exactly what is included and what it costs.
Your age, health and medical history, whether you smoke, the amount, the length of the term and the type of policy. Starting earlier is usually cheaper.
You should answer honestly and completely. If you don't, an insurer may refuse a claim or cancel the policy. If you aren't sure whether something matters, ask the representative and tell the insurer.
It can suit some people, but charges, lock-in periods and surrender values matter a lot. If you stop early, you may get back much less than you paid. Ask for the guaranteed and non-guaranteed figures, the fees, and what you would get if you stopped in the first years.
The beneficiaries you name, or the people the policy's nomination rules provide for. A nomination can mean the money goes directly to them rather than through your estate. Ask the representative how to set it up and keep it up to date.
Life insurance policies come with a 14-day free-look period when you can cancel and get a refund, subject to terms. Check what applies and read your policy documents.
Complain to the insurer first. If you're not happy with the answer, you can take it to the Financial Industry Disputes Resolution Centre, which helps resolve disputes between consumers and financial institutions at low cost.
Your age, whether you smoke, roughly how much you'd like to cover and for how long, what cover you have through work, and your postal code. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance, tax or legal advice. Any quote or advice comes from the firm that contacts you. Check that a firm or representative is licensed or registered with the Monetary Authority of Singapore (MAS), and compare plans on Compare First, before you share personal or payment details.
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