Jonathan Chua

For parents, protecting their children is second nature. The lengths you would go to keep your children safe know no bounds, and you would readily sacrifice your own well-being to ensure theirs. Yet many well-meaning parents overlook the importance of obtaining a life insurance policy that will ensure their spouses and children are taken care of if the worst should happen. Since nobody likes to contemplate their own mortality, life insurance decisions sometimes get put off or ignored. If you find yourself among the many who have yet to address their life insurance needs, can you really afford to wait any longer? Finding a life insurance policy that works best for you is fast and easy, and it's a simple step you can take to ensure that your family is protected. If you don't know what life insurance options are available, or how much they cost, there's a very simple place to start. My aim is to work tirelessly to find the best prices. In additi...

First of all, congrats on your pregnancy and your upcoming bundle of joy. Secondly, I apologize for the unsolicited nature of this message given that we have never met before. I'm a baby and child insurance specialist. I have helped a few expectant mommies with a prenatal plan that protects them against pregnancy complications. It even extends cover to the child and protects against congenital abnormalities. What's more, it covers births conceived though IVF and covers up to twins. It is also a savings plan, which the mother can transfer to her child upon birth, with no medical underwriting, thereby ensuring the child has whole of life cover without any exclusions and savings for his/her education. The mommies have benefitted from this plan as they can enjoy greater peace of mind, knowing that financial assistance is at hand should the unexpected happen during pregnancy or after childbirth. If this plan is something you may be interested in, do drop me a repl...

Picking the best plan need not be a painful or costly exercise with the right approach Insurance is one of those things we all feel we need, yet many people plonk it in the to-do basket and promptly forget about it. And it's not as if it's hard to find a reason to put off dealing with insurance: It's complicated, it looks expensive and the returns can look thin and a long way off. Tackling some of those perceptions is one of the drivers behind a major review of the industry announced by the Monetary Authority of Singapore last month. The Financial Advisory Industry Review will look at key aspects such as educational requirements of financial advisers, corporate governance and how agents and advisers are paid for their services. One of the review's key objectives is to lower costs for consumers so that more Singaporeans can take up insurance. There have been many surveys that show how under-insured Singaporeans are. In AIA study last year found ...

Should You Trust Your Gut? Crime author Patricia Cornwell made major headlines last week when she won a 50 million dollar judgment against a financial manager she claimed mismanaged her money. If you’ve ever used, or are thinking about using a financial planner, you already know just how challenging it can be to select the right money manager. The finance manager you interview may have impressive degrees and four different certification abbreviations behind their name, but let’s get real. Most of us have no idea what they even mean. In the end, the decision to fork your hard earned money over to someone else to manage comes down to trust. How can you know if someone deserves your trust? Well, you should start with conducting basic background research and make sure they haven’t been investigated, imprisoned, or had a 50 million dollar jury verdict against them--but you also have to trust your gut . Businesswoman turned leadership coach, Rebecca Heaslip says people h...

Risk management is the basis of insurance. Fear of the uncertain future creates the need for financial protection against a catastrophe. However, I recently stumbled on an article that provides reasons why some types of insurance are unnecessary. Here are the five unnecessary insurance policies mentioned:   1. Mortgage insurance   Instead of focusing on just paying off the mortgage, holistic coverage should be considered. In addition, most companies provide large sum discounts. There are term plans that mirror the mortgage insurance coverage, providing reducing coverage without needing you to submit mortgage documents and revising everything when you change residence.   2. Comprehensive motor insurance   Most drivers opt for low excess and a comprehensive plan instead of third party plan with higher excess. With the rising cost of motor insurance premiums, it is to your benefit to do some calculation if it is worth paying both an arm and a leg fo...