#1 Full Transparency on Fees
Here at FSMOne, we believe in being fully transparent with fees and commissions. Historically, insurance products tend to have opaque commission structures, where clients are at the mercy and good will of their agents and bankers recommending them the best and most suitable products for their needs. However, we found that advice tends to be skewed towards higher paying commission products, which may not be the best option for clients to utilize.
By being fully transparent with fees, we can help clients make better and more informed decisions about their financial future. When you are planning to protect your family's financial well-being, you will want to be absolutely sure that your interests are truly aligned.
On FSMOne’s pricing structure page, our clients enjoy a clear 30% to 40% rebate on total commission received across all life insurance products (up till the 6th commission paying year).

(See "Hidden Secrets Revealed – How Your Banker Is Trapping You!")
#2 Huge Savings on Commissions
High commissions and difficult to understand insurance information makes it hard for anyone to make a well-informed decision. This is especially so when you are relying on your agent or banker to recommend the best insurance coverage for your needs. With FSMOne's insurance commission rebate structure, clients get to enjoy more affordable insurance coverage and focus on getting their protection needs properly covered.
Some examples of the savings you can enjoy through FSMOne:
Product |
Sum Assured |
Premium Term |
Annual Premiums Paid |
Estimated Total Commission Received from Insurer |
Savings You Get Through Insurance at FSMOne (30%) |
Term Life |
$600,000 |
35 years |
$1,607 |
$2,089 approx. $1,100 first year commission |
$600 |
Critical Illness Plan (Whole Life) |
$100,000 with Minimum Protection Benefit of 200,000 till age 65 |
20 years, covers for whole life |
$4,378 |
$5,692 approx. $3,100 first year commission |
$1,700 |
*Assuming male, age 35, non-smoker, for illustrative purpose only.
**Updated to latest commission structure as of 8 Dec 2016
(See "3 Terrifying Facts About Critical Illness, You (Probably...) Didn't Know", and "To Your Insurance Agent, You Are Just a $4,000 Cash Cow!")
#3 Consolidate Your Insurance Policies
Ever forgotten what insurance policies you have bought over the years? With FSMOne's consolidated holdings page, you can view your insurance policies all from the comfort and convenience of your own home or office.
New holdings page with insurance protection purchased through FSMOne:

Sample policy details:

#4 Friendly Advisers to Help Make Your Life Easier
With the latest offering and updated FSMOne platform, we can do everything your insurance agent and banker does. At FSMOne, we are here to walk with our clients through their life's journey. With the embracement of technology, we are able to offer you our suit of services with interests that are aligned with you.
Our team of friendly advisers are able to help you review your financial objectives, long term commitments, and customize investment and insurance advice specific to your needs. If you would like assistance in reviewing your financial and protection portfolio, or simply to get a quote for an insurance plan, you can contact our advisers at advisory@fundsupermart.com.
Available Products on Insurance@FSM |
Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment from Manulife, NTUC Income and Tokio Marine Life Insurance *Please check with our advisory team if the product you want is available on Insurance at FSMOne |
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