An Honest Look at My Own Insurance Planning
Omar, Lead Insurance Specialist at Havend, shares an honest reflection on his own insurance planning. Learn how he navigates the five pillars of protection, balances family priorities, and ensures financial peace of mind.
The Silent Risk When One Person in the Family Handles All the Insurance (And What You Can Do About It)
When one person handles all the family’s insurance, hidden risks can arise. Learn how shared planning helps families stay informed and prepared.
New IP Rider Changes 2026: What Singapore Policyholders Need to Know
Learn how MOH’s new 2026 IP rider rules affect premiums, out-of-pocket costs, and coverage, and what policyholders should consider before making changes.
5 Risks You Might Face in Retirement (And How to Plan for Them)
Retirement in Singapore may seem daunting with rising costs, longer lifespans, and market uncertainty — but it doesn’t have to be. In this article, we explore five key risks you might face in retirement and how Havend’s CPF-Optimised Retirement Essentials (CORE) approach can help you build a stable, stress-free foundation for your golden years.
Two Commonly Overlooked Retirement Expenses and How to Address Them
Retirement planning often overlooks key expenses that can significantly impact your financial security. In this article, we highlight two commonly overlooked costs—healthcare and long-term care—and provide practical steps on how to address them. By planning ahead, you can ensure a smoother retirement and protect your financial future.
Navigating Long-Term Care: Key Challenges & Financial Risk Mitigation Strategies (Part 2)
In Part 2 of our article on long-term care planning, we delve into the key challenges faced by primary caregivers and effective strategies for mitigating financial risks linked to severe disabilities. Caregiving is an emotionally and physically demanding journey, often leading to stress, burnout, and financial strain. We explore the financial implications of caregiving, including the costs of care, healthcare inflation, and the impact of reduced income. Discover three essential financing options—government insurance, personal insurance, and personal assets—that can help secure your financial future. With expert insights from Havend, learn how to navigate these challenges and protect yourself and your loved ones from the emotional and financial burdens of long-term care.
Your Complete Guide to Long-Term Care Planning and Its Costs (Part 1)
Explore the essentials of long-term care planning in Part 1 of our series. Learn about the key components of financial planning for potential long-term care needs, including cost estimation, insurance options, and strategic approaches to ensure financial stability and peace of mind. Start planning today to secure your future.
Term Insurance: What Happens If You Outlive It?
Discover what happens if you outlive your term insurance policy. Learn why reaching this milestone can signify successful financial planning, and explore essential steps to ensure your retirement is secure without the need for permanent life insurance.
Top 2 Reasons to Purchase Life Insurance While You’re Young
When considering life insurance, buying young offers distinct advantages. Younger buyers typically enjoy lower premiums due to lower risk factors, and it’s easier to secure coverage when you’re in good health. As life evolves, having a policy in place provides financial security for dependents, covers debts, and ensures peace of mind. Starting your protection journey early can help safeguard your financial future against unexpected challenges.
Should I Get Life Insurance if I Have Substantial Savings?
The role of life insurance is to transfer the financial risk of a death event, often termed as “premature death” or “dying too early,” to an insurance company. Without life insurance, this financial burden could be too heavy for a family to bear. What are these financial risks? They typically include: Providing a continuous income […]