Income Protection for Your Loved Ones
Term Life covers you for specific years (usually cheaper), while Whole Life covers you permanently and builds cash value. We help you choose based on your debts, dependents, and budget—not commission.
Insurance That Actually Makes Sense
Clear explanations of life and health coverage—no confusing jargon, no pressure to buy. Just honest guidance tailored to your life stage.
Based in Tanjong Pagar, helping Singapore professionals navigate protection planning with confidence.
Book a Free 30-Min Chat
Two Types of Protection Every Professional Needs
Understanding your options is the first step to making confident decisions
Beyond MediShield Life
Integrated Shield Plans upgrade your ward class and cover pre/post-hospitalization. Critical Illness coverage pays a lump sum if you're diagnosed with conditions like cancer or stroke—money you can use however you need.
If You Can't Work
Total Permanent Disability (TPD) and Early Critical Illness riders provide payouts when you need to focus on recovery, not bills.
Don't Rely Only on Work Coverage
Company insurance ends when you resign. Personal policies stay with you, locked in at your current health status.
Real Situations We Plan For
Just Started Working
"I'm finally earning my own salary and want to protect my parents who are getting older. Where do I even begin?"
Needs: Affordable Term Life + Basic Integrated Shield Plan
Budget: $150-250/month
Approach: Start small with essential coverage, expand as income grows
Typical age: 24-28
Planning for a Family
"We're thinking about kids soon. I want to make sure we're covered before pregnancy complications become a concern."
Needs: Enhanced Critical Illness, education fund protection, private ward coverage
Budget: $400-600/month
Approach: Secure comprehensive coverage before family planning advances
Typical age: 28-35
Mortgage & Responsibility
"I've got a home loan, aging parents, and maybe some old policies I'm not sure about anymore. Time for a proper review."
Needs: Life cover matching debt, early CI for health gaps, disability income
Budget: $500-800/month
Approach: Audit existing policies first, fill gaps without duplication
Typical age: 35-45
What Will This Actually Cost?
Premiums depend on your age, health history, and coverage amount. Here's what working professionals in Singapore typically invest monthly:
What Affects Your Premium
- Age when you start — younger means lower premiums locked in
- Smoking status — tobacco use significantly increases rates
- Pre-existing conditions — declaring honestly prevents claim rejection later
- Ward class preference — B2 vs A vs Private hospital coverage
Full transparency: Commission is built into all policies industry-wide—what matters is getting the right coverage, not the most expensive plan. As an independent advisor, I have access to plans from AIA, Prudential, Singlife, and more, so we can find what fits your budget.
Starting Point
Entry Protection
$100–300/month
Term Life + Basic Integrated Shield Plan
Most Common
Balanced Coverage
$400–700/month
Whole Life + Enhanced IP with better ward coverage
Comprehensive
Full Protection
$800–1,200/month
High Critical Illness + Early CI + Premium IP with private coverage
How We Choose Your Coverage
1
Listen First
We map your actual liabilities—loans, dependents, lifestyle needs—before recommending anything.
2
Compare Neutrally
Access to multiple insurers including AIA, Prudential, Singlife, and more. No house bias.
3
Explain Twice
You understand exactly what you're buying before signing. No surprises, no hidden clauses.
"As an independent advisor, I'm not tied to any single insurer. My only loyalty is to your financial security."
Ready to Stop Guessing About Insurance?
Book a free, no-obligation consultation at our Tanjong Pagar office or via Zoom. We'll review your current coverage (if any) and outline exactly what you need—and what you don't.
Schedule Your Free SessionPrefer to reach out directly? hello@safehands.sg or +65 8123 4567
📍 Tanjong Pagar, Singapore • Available in-person or virtual