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Life changes. But should your insurance change too?

Insurance Advice for Different Life Stages

We understand that your insurance needs aren’t one-size-fits-all—they evolve as you do. Whether you’re stepping into your first job, getting married, raising a family, or preparing for retirement, we’re here to ensure your coverage stays suitably and sufficiently aligned with your life stage.

From choosing the right protection to servicing your policy and supporting your claims, we walk with you every step of the way. And with our money-back guarantee, if you’re ever oversold, we’ll refund the excess premiums—because you deserve to feel confident that your coverage is right for you.

Not sure what coverage you need?
Start with our complimentary InsureWell Assessment (IWA) to get clarity on what’s essential for your life stage—no obligations, just honest advice.

Let’s talk about the big picture.

Do You Really Need to Invest to Secure a Stable Income Stream for Retirement?

Not everyone needs to invest to retire well. CORE is our honest conversation about your financial foundation—your Cashflow, Coverage and CPF Management (the 3 Cs)—because a secure retirement starts with clarity, not complexity.

This forms the foundation of your retirement—the part you simply must get right. Once that’s secured, you’ll have the confidence to invest or explore other options, knowing your basics are well taken care of.

And if retirement income products are necessary to supplement CPF, we’ll help you filter through the noise and only consider what fits your needs, and not what pays us the most commission.

Start with our CPF-Optimised Retirement Essentials (CORE) assessment and build your “die-die-must-have” retirement funds today.

You already know what you want. Let’s make sure it’s right.

Specific-Needs Planning

Maybe you’ve done your homework. Maybe you’ve been recommended a plan by someone you trust. Or maybe you’re exploring policies to fund your child’s education, leave a legacy for your loved ones, or secure a specific coverage goal.

At Havend, we offer unbiased, professional second opinions on insurance solutions you’re already considering. Whether it’s a term plan, whole life policy, or endowment plan, we’ll help you understand if it’s truly aligned with your needs, without fear of being mis-sold, over-sold, or pressure-sold (we might be sounding like a broken record).

You’re not here for a sales pitch—you just want to be sure. That’s exactly what we’re here for.

No obligations, just honest advice, we promise.

A Safe Place to Seek Insurance Advice.

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