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Research Articles
Are you paying a "Loyalty Tax" on your Term Life insurance?
Many Singaporeans set up a term life plan once — and never touch it again. Over time, premiums and new products change, so you could be paying more than you need to for the same type of protection. This article shows you how to assess whether you’re overpaying, how to right-size your coverage, and how to potentially save up to 53% a year simply by reviewing your term life plan. Plus, find out how to get up to 45% commission rebates on eligible policies when you insure with FSM Global.
The Best Integrated Shield Plans in Singapore (2026 Update)
Comparing Integrated Shield Plans for the April 2026 update? Discover our expert picks for the best private hospital plans based on your budget and needs.
Understanding Last Payer Status: Why You Should Claim from your Shield Plan Last
Did you know your Integrated Shield Plan (IP) is meant to be the final safety net, not the first payer? Here’s what Last Payer Status means and how hospital bills should be correctly claimed.
From COE to Charging: The Ultimate Guide to Owning an EV in 2026
How much can you really save by switching to an EV? Get all the facts on costs, rebates, practicalities, and how EVs compare to petrol cars — so you can make the right call for your lifestyle.
HSBC Life Shield Plan and Rider: The 2026 Guide
Everything you need to know about the new April 2026 rider transitions, premium updates, and how these may affect your coverage.
Claim S$120 bonus units* in Allianz Dynamic Multi Asset Strategy SRI 50 AM (Dis) H2-SGD
when you choose to get insured with Allianz. Campaign period: 15 April to 30 June 2026. *Terms and Conditions apply.
Singlife Shield & Rider Changes (April 2026): Should You Switch to the New Rider?
The new Singlife Health Plus riders offer up to 84% premium savings but come with a higher $6,000 co-payment cap. Find out if switching makes sense for your wallet in 2026.
A 2026 Update to your Raffles Shield plan and the new Raffles Choice Rider
Raffles Shield has increased their premiums for the first time in 8 years – Here’s what you need to know.
New IP Riders 2026: Should I switch to the new Enhanced IncomeShield riders?
From 1 April 2026, the existing Deluxe Care and Classic Care IP riders will no longer be available for new purchases. In their place, Income has introduced Optima Care rider and Essential Care rider – new IP riders offering lower premiums but higher co-payment. Find out if you should keep your current “grandfathered” plan or switch to the new IP riders for potential premium savings.
Shield Plan and IP rider changes: This is your 2026 update
Don't let your 2026 shield plan renewal catch you by surprise. If you currently have a Shield Plan and IP rider, here is what you need to know about the key benefit changes and premium adjustments taking effect starting 1 April 2026.
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