{"id":46931,"date":"2025-12-05T12:08:14","date_gmt":"2025-12-05T04:08:14","guid":{"rendered":"https:\/\/corpstaging.hometeamns.sg\/frontline\/?p=46931"},"modified":"2025-12-05T12:08:14","modified_gmt":"2025-12-05T04:08:14","slug":"5-things-to-review-in-your-insurance-plan","status":"publish","type":"post","link":"https:\/\/www.hometeamns.sg\/frontline\/5-things-to-review-in-your-insurance-plan\/","title":{"rendered":"5 Things to Review in your Insurance Plan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46931\" class=\"elementor elementor-46931\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69a8fdc e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"69a8fdc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cea468 elementor-widget elementor-widget-text-editor\" data-id=\"6cea468\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When was the last time you looked at your insurance coverage? ASP (NS) Lai Shu Wei (Rep No. LSW300105812), a senior financial representative representing Great Eastern Financial Advisers Pte Ltd, shares how to stay financially prepared for whatever life throws your way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d06448f e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d06448f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7de2a0e elementor-widget elementor-widget-text-editor\" data-id=\"7de2a0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insurance tends to fall into the \u201cI\u2019ll sort it out later\u201d category of adulting. But according to ASP (NS) Lai Shu Wei, a licensed financial representative and Executive Committee member at <a href=\"https:\/\/www.hometeamns.sg\/bukit-batok\/\" target=\"_blank\" rel=\"noopener\">HomeTeamNS Bukit Batok<\/a>, putting it off could cost you more than you think.<\/p><p>\u201cMany people assume they\u2019re too young to need coverage, only to face health issues later that make it much harder \u2014 or more expensive \u2014 to get insured,\u201d he explains. \u201cI\u2019ve had clients who were eventually diagnosed with conditions that rendered them uninsurable.\u201d<\/p><p>Unexpected medical costs can quickly eat into your savings \u2014 and with inflation and economic uncertainty in play, the financial impact can be even greater. \u201cHospitalisation and accident coverage offer a crucial safety net. They help you manage these risks without derailing your long-term goals,\u201d Shu Wei adds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4557cd8 elementor-widget elementor-widget-image\" data-id=\"4557cd8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"580\" height=\"326\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-1024x576.png\" class=\"attachment-large size-large wp-image-47845\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-1024x576.png 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-300x169.png 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-768x432.png 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-1536x864.png 1536w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1-1200x675.png 1200w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/12\/Frontline-header-images-1.png 1600w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e258868 elementor-widget elementor-widget-text-editor\" data-id=\"e258868\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>ASP (NS) Lai Shu Wei, a licensed financial representative, found his calling early and hasn\u2019t looked back since.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69e82a9 elementor-widget elementor-widget-text-editor\" data-id=\"69e82a9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>His own journey into the field started during his second year at NUS Business School, from which he graduated in 2022. \u201cI realised the work is meaningful, as I get to help people and add real value to their lives through financial planning,\u201d he says.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6b17be e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d6b17be\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-665eddf elementor-widget elementor-widget-heading\" data-id=\"665eddf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">#1 DO YOU HAVE THE ESSENTIAL TYPES OF INSURANCE?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f84e46 elementor-widget elementor-widget-text-editor\" data-id=\"3f84e46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insurance does more than protect your finances \u2014 it gives you peace of mind to plan your future with confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f84e79 elementor-widget elementor-widget-image\" data-id=\"4f84e79\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"700\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-hospitalisation-2.jpg\" class=\"attachment-full size-full wp-image-46458\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-hospitalisation-2.jpg 1200w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-hospitalisation-2-300x175.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-hospitalisation-2-1024x597.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-hospitalisation-2-768x448.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-084b8cd elementor-widget elementor-widget-text-editor\" data-id=\"084b8cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0When advising clients, Shu Wei walks them through the core pillars of coverage:<\/p><ul><li><strong>Hospitalisation and accident insurance<\/strong> for medical expenses<\/li><li><strong>Life protection<\/strong> for you and your loved ones in the event of death, total permanent disability and critical illness<\/li><li><strong>Income protection<\/strong> if illness or injury prevents you from working<\/li><li><strong>Personal general insurance<\/strong> for homes, vehicles and travel \u2014 essential for avoiding costly disruptions to daily life<\/li><li><strong>Savings and investment-linked plans <\/strong>to help grow wealth or fund milestones like retirement or your child\u2019s education<\/li><\/ul><p>For those looking to build a stronger foundation, he recommends the Monetary Authority of Singapore\u2019s <a href=\"https:\/\/www.moneysense.gov.sg\/planning-your-finances-well\/\" target=\"_blank\" rel=\"noopener\">Basic Financial Planning Guide<\/a> as a helpful resource on emergency funds, essential coverage, investments and legacy planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7d418b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"c7d418b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-892e3df elementor-widget elementor-widget-heading\" data-id=\"892e3df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">#2 ARE YOU BALANCING PROTECTION AND AFFORDABILITY?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9c4981 elementor-widget elementor-widget-text-editor\" data-id=\"c9c4981\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Just starting your career or juggling multiple financial commitments? If affordability is a concern, finding the right balance between cost and coverage is key. \u201cStart with term plans to get sufficient protection at a lower cost, then upgrade your plans as your income grows,\u201d Shu Wei advises. \u201cIt\u2019s better to be adequately covered at a basic level than to be under-protected or completely uninsured.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9665fef elementor-widget elementor-widget-image\" data-id=\"9665fef\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"700\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-physio-3.jpg\" class=\"attachment-full size-full wp-image-46462\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-physio-3.jpg 1200w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-physio-3-300x175.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-physio-3-1024x597.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-physio-3-768x448.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ca7e1 elementor-widget elementor-widget-text-editor\" data-id=\"01ca7e1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Group personal accident plans are a cost-effective way to boost your coverage, especially for those with active lifestyles or physically demanding jobs where the risk of injury is higher. \u201cThe lump sum payout can help cover recovery expenses \u2014 such as physiotherapy or mobility aids \u2014 even if these aren\u2019t reimbursed under other plans,\u201d Shu Wei explains. \u201cThat extra layer of support can make a big difference during recovery.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41965be e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"41965be\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07812c0 elementor-widget elementor-widget-heading\" data-id=\"07812c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">#3 WHEN WAS YOUR LAST INSURANCE REVIEW?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6103e98 elementor-widget elementor-widget-text-editor\" data-id=\"6103e98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Even if you\u2019ve got a comprehensive plan in place, insurance isn\u2019t a set-it-and-forget-it arrangement \u2014 it needs to grow with you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da8b34b elementor-widget elementor-widget-image\" data-id=\"da8b34b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"700\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-life-changes-4.jpg\" class=\"attachment-full size-full wp-image-46467\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-life-changes-4.jpg 1200w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-life-changes-4-300x175.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-life-changes-4-1024x597.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-life-changes-4-768x448.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-223fe0d elementor-widget elementor-widget-text-editor\" data-id=\"223fe0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Shu Wei advises checking in regularly, especially after major life changes. A thorough review should consider whether your current coverage is still sufficient, the types of protection you have in place, how comfortably you\u2019re managing your premiums, whether your investment allocations need adjusting, and if any recent events have shifted your insurance needs.<\/p><p>During a check-in with your adviser, consider asking these questions:<\/p><ul><li>Does my plan reflect my current income, lifestyle and responsibilities?<\/li><li>Are there any gaps, overlaps or outdated policies?<\/li><li>Can I enhance or simplify my coverage?<\/li><li>Am I still insurable for additional protection?<\/li><li>What policy changes or new solutions should I be aware of?<\/li><\/ul><p>It\u2019s easy to put off these reviews, especially when life gets busy. But Shu Wei cautions against waiting. \u201cAs your life circumstances change, your insurance should change with you,\u201d he says. \u201cDon\u2019t wait for a crisis to find out that you\u2019re underinsured.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-120d70b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"120d70b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f7b31 elementor-widget elementor-widget-heading\" data-id=\"a2f7b31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">#4 ARE YOU GETTING PERSONALISED ADVICE?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-475fc82 elementor-widget elementor-widget-text-editor\" data-id=\"475fc82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While digital platforms are convenient for quick comparisons, a trusted financial representative still brings value to the table. \u201cOnline tools may suffice for simple, one-off purchases,\u201d Shu Wei says. \u201cBut if you want personalised guidance, regular reviews and support when it matters most, it\u2019s best to speak with an adviser.\u201d<\/p><p>A good adviser will assess your overall situation \u2014 including lifestyle, goals and responsibilities \u2014 and flag any coverage gaps or policy overlaps. When the need arises, they will also guide you through the claims process and help ensure that your portfolio evolves with major life changes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae6aabb elementor-widget elementor-widget-image\" data-id=\"ae6aabb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"700\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-personalised-advice-5.jpg\" class=\"attachment-full size-full wp-image-46468\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-personalised-advice-5.jpg 1200w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-personalised-advice-5-300x175.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-personalised-advice-5-1024x597.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-personalised-advice-5-768x448.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53211fc elementor-widget elementor-widget-text-editor\" data-id=\"53211fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Beyond protection plans, Shu Wei shares the importance of estate planning including considerations such as Central Provident Fund (CPF) nominations, wills, Lasting Power of Attorney (LPA) nominations, and Advance Medical Directives (AMD). \u201cPolicy nominations are especially crucial,\u201d he notes. \u201cThey ensure that your insurance payouts go directly to your chosen beneficiaries without going through probate. This saves time and prevents complications during what is already a stressful period.\u201d<\/p><p>When needed, he also reviews a household\u2019s overall coverage to ensure that the entire family is financially secure should something happen to a loved one. The personal and long-term nature of the work means many clients eventually become friends, Shu Wei observes. \u201cSeeing how their lives improve \u2014 and knowing I played a part in that \u2014 is what gives me immense job satisfaction.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5d4318 elementor-widget elementor-widget-heading\" data-id=\"d5d4318\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">#5 WHEN TO REVIEW YOUR INSURANCE \u2014 AND YOUR ADVISOR?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adcca62 elementor-widget elementor-widget-text-editor\" data-id=\"adcca62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Shu Wei recommends reviewing your coverage once a year \u2014 even if everything seems stable. \u201cIt\u2019s a good way to stay informed about policy changes, benefit enhancements and whether your protection still aligns with your goals,\u201d he advises.<\/p><p>Key moments that should trigger a review:<\/p><ul><li><strong>Starting a new job or changing careers<\/strong> \u2014 Your income or benefits may have changed<\/li><li><strong>Getting married<\/strong> \u2014 You\u2019re planning for two now<\/li><li><strong>Buying a home<\/strong> \u2014 Your mortgage obligations need to be protected<\/li><li><strong>Having a child<\/strong> \u2014 Time to plan for education, medical and emergency needs<\/li><li><strong>Becoming a caregiver<\/strong> \u2014 Your financial responsibilities have expanded<\/li><li><strong>Falling ill<\/strong> \u2014 Review your claims, future care needs and insurability<\/li><li><strong>Losing a loved one or inheriting assets<\/strong> \u2014 These events can shift both responsibilities and finances<\/li><\/ul><p>And what if your adviser no longer feels like the right fit? If you feel stressed or pressured every time you speak with your adviser, it may be a sign to reassess that relationship, too. \u201cYour financial journey is personal, and you deserve guidance that feels respectful and aligned with your goals,\u201d emphasises Shu Wei. \u201cIf you\u2019re not getting what you need, do speak with your financial representative about it first. Otherwise, it\u2019s perfectly okay to explore other options. What matters most is feeling informed and supported every step of the way.\u201d<br \/><br \/><\/p><p><em>Disclaimer:<\/em><br \/><em>The views and opinions expressed in this article are solely that of the interviewee and do not necessarily reflect the opinion of Great Eastern Financial Advisers Private Limited (&#8220;GEFA&#8221;).<\/em><br \/><em>For the avoidance of doubt, GEFA does not make any representations or warranties, express or implied, as to the completeness or accuracy of the information contained in this article. Further, GEFA expressly disclaims any and all liability relating to or arising from the use of and\/or reliance on the information contained in this article.<\/em><br \/><em>The information contained in this article is for your information only and does not have regard to the specific investment objectives, financial situation and particular needs of any person(s).<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ebf9653 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"ebf9653\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc44f9 elementor-widget elementor-widget-heading\" data-id=\"7fc44f9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HomeTeamNS members exclusive: One-year complimentary Singlife Group Personal Accident Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4570187 elementor-widget elementor-widget-image\" data-id=\"4570187\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-singlife.png\" class=\"attachment-full size-full wp-image-46469\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-singlife.png 800w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-singlife-300x169.png 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2025\/07\/frontline-insurance-singlife-768x432.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddef017 elementor-widget elementor-widget-text-editor\" data-id=\"ddef017\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>HomeTeamNS offers one-year complimentary accident coverage through a partnership with Professional Investment Advisory Services Pte Ltd (\u201cPIAS\u201d), a wholly-owned subsidiary of Singapore Life Ltd (\u201cSinglife\u201d). HomeTeamNS Shield360 includes a complimentary one-year HomeTeamNS membership and a one-year Group Personal Accident Insurance plan by Singlife. The plan provides up to $50,000 in the event of accidental death or total permanent disability. It also covers $5,000 for mobility aid expenses and $1,000 for physiotherapy costs in the event of total and permanent disability.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-174dd15 elementor-widget elementor-widget-text-editor\" data-id=\"174dd15\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>*Terms and conditions apply. For more details, please visit <\/em><a href=\"https:\/\/www.hometeamns.sg\/singlife\/\" target=\"_blank\" rel=\"noopener\"><em>https:\/\/www.hometeamns.sg\/singlife\/<\/em><\/a><em>. Protected up to specified limited by Singapore Deposit Insurance Corporation (SDIC). \u00a0<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-437cd74 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"437cd74\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e344eb\" data-id=\"7e344eb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bc20a4 elementor-widget elementor-widget-spacer\" data-id=\"6bc20a4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31e5866 elementor-widget elementor-widget-text-editor\" data-id=\"31e5866\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em style=\"font-size: 14px; text-align: left; font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); letter-spacing: -0.21px; color: #105cab;\">Like our stories? Subscribe to our\u00a0<a href=\"https:\/\/www.hometeamns.sg\/frontline\/newsletter\/\">Frontline Digital newsletters<\/a>\u00a0now! Simply download the\u00a0<a href=\"https:\/\/www.hometeamns.sg\/mobile-app\/\">HomeTeamNS Mobile App<\/a>\u00a0and update your communication preference to \u2018Receive Digital Frontline Magazine\u2019, through the App Settings.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>When was the last time you looked at your insurance coverage? ASP (NS) Lai Shu Wei (Rep No. LSW300105812), a senior financial representative representing Great Eastern Financial Advisers Pte Ltd, shares how to stay financially prepared for whatever life throws your way.<\/p>\n","protected":false},"author":14,"featured_media":46917,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[248],"tags":[396],"class_list":["post-46931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-singapore-buzz"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Things to Review in your Insurance Plan - Frontline<\/title>\n<meta name=\"description\" content=\"When was the last time you looked at your insurance coverage? 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