More and more people are aware of the NEED TO BUY INSURANCE first! =) I’m so happy to be always meeting people who likes to put their priority as protecting their wealth rather than accumulating. This makes my job really much easier and more meaningful.

So what are the top few concerns that most people have? Below are my own findings so please don’t judge me =)

1) Hospitalisation Bill
2) Major Illness coverage
3) Accidental Death
4) Death
5) Disability

As you can see, most people are very much concerned with regards to the medical costs in Spore and the kind of medical treatment they will receive if they are diagnosed with one of the 30 major illness. With such a simple statistic. i can happily conclude that it does not required a whole lot of money to address all the top 3 concerns for most people. As a matter of fact, i would think that a few plans of less than $100/mth would be able to comfortably address the top 3 issues facing some of the singaporeans.  So stop buying plans from agent who keep pushing saving plan to you and tell you all sort of ‘reasons’ to buy them. 

Start small and cover at least $100,000 for major illness, accident death and hospital. Any upgrade, you can always do it at a much later part.

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  4. Enduring Hardship.