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Master Pillar

Protection Planning

Coverage Types
12 Categories
Focus
Risk Management

Protection is the foundation of all financial planning. Without it, a single unexpected event can destroy years of careful saving and investing. This guide explains how different types of coverage work together to protect your income, health, and family.

Understanding Protection

Why Protection Comes Before Everything

Protection is not about buying products. It's about ensuring that illness, injury, or death doesn't destroy what you've built. The right coverage lets you focus on recovery instead of financial survival.

Protects Your Cashflow

Bills continue when income stops. Protection keeps money flowing to mortgage, education, and daily expenses.

Preserves Your Lifestyle

Proper coverage means your family's standard of living doesn't have to change during difficult times.

Secures Long-Term Plans

Retirement, children's education, and legacy goals stay on track even when health challenges arise.

The Framework

The Protection Layers

Think of protection as layers that work together. Each layer covers a specific risk. Gaps in any layer can expose you to financial harm.

Protection Ecosystem

Five interconnected layers that work together to protect you - start anywhere based on your priorities

You & Family
Hospital & Health
Accident & General
Income Protection
Life Insurance
Wealth & Legacy

Start Where You Are

Each layer protects a different aspect of your life. Prioritize based on your current life stage, responsibilities, and budget - there's no single "right" order.

Common Gap

Most Singaporeans have hospital insurance but lack adequate income protection. If you can't work, who pays the bills while you recover?

Common Misconceptions

Belief vs Reality

Belief

"I'm young and healthy, I don't need insurance yet"

Reality

Insurance is cheapest when you're young and healthy. Pre-existing conditions acquired later may be excluded or increase premiums significantly.

Belief

"My company insurance is enough"

Reality

Company insurance ends when you leave. It's often limited in coverage and doesn't include disability income or full critical illness protection.

Belief

"Hospital insurance covers everything medical"

Reality

Hospital insurance pays medical bills. It doesn't replace your income during 6 months of recovery, or cover home modifications for disability.

Belief

"I'd rather save the premium money and invest it"

Reality

A critical illness can cost $300,000+. Unless you already have that saved, you're gambling your family's financial security on luck.

📂 Insurance Categories

Select a Category to Begin

Choose from our comprehensive range of insurance solutions tailored for every stage of life

Hospital & Health

Hospital & Health

MediShield Life & IP
ElderShield & CareShield Life

ElderShield & CareShield

Long-term care protection
Term & Whole Life Plan

Term & Whole Life

Life protection coverage
Mortgage Term

Mortgage Term

Home loan protection
Disability Income

Disability Income

Income replacement
Critical Illness

Critical Illness

Lump sum payout on diagnosis
Retirement Planning

Retirement Planning

CPF & annuity solutions
Legacy & Estate Planning

Legacy & Estate

Wealth transfer planning
Savings Plan (Endowment)

Savings Plan

Endowment & guaranteed
Investment-Linked Policy

Investment-Linked

ILP with market exposure
Child Education Planning

Child Education

Education fund planning
Personal Accident & General Insurance

Personal Accident

General insurance coverage

Not Sure Where to Start?

Let us help you identify gaps in your protection and build the right coverage for your situation.

PM Us to Discuss Contact Form

High-Trust Planning Guides

"What If" Scenarios

These guides walk through real scenarios that families face. Understanding the "what if" helps you plan without fear.

What Happens If I Can't Work

Understand how income loss affects your entire financial plan - mortgage, education, retirement - and what coverage actually protects it.

Read the Guide

What Happens If I Die

A sensitive but essential guide on how your assets are distributed, what your family will face, and how to ensure they're protected.

Read the Guide

How Protection Connects to Your Overall Plan

Protection is the foundation that supports all other financial planning

Cash & Liquidity
Emergency funds complement insurance coverage
Retirement Planning
Protection preserves retirement savings
CPF Planning
MediShield Life and CPF LIFE integration
Business Protection
Keyman and business continuity coverage