Insights

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.

Resources Shared During Making Sense of IP Claims: Your Top Questions Answered

Here are the unanswered questions during our 'Retire with Confidence, Without Market Chaos' webinar.

Making Sense of IP Claims: Your Top Questions Answered

Here are the unanswered questions during our 'Retire with Confidence, Without Market Chaos' webinar.

Protected: Unanswered Questions during Retire with Confidence, Without Market Chaos

Here are the unanswered questions during our 'Retire with Confidence, Without Market Chaos' webinar.

Case Study: From CPF to Annuities – How Selene Built a Stable Retirement Income in Singapore

How Selene Built a Stable Retirement Income in Singapore

3 Retirement Income Strategies: What You Need to Know to Prepare

Discover 3 key retirement income strategies to help you retire with confidence in Singapore. Learn how to estimate your monthly expenses, structure reliable income streams, and balance essential needs with lifestyle wants.

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?

Universal Life Insurance: Does It Boost Your Retirement?

Understanding the Trend: Decrease in Private Hospital Insurance Demand

The ​recent news​ of fewer individuals opting for private hospital insurance plans, coupled with a growing number of older adults abandoning such coverage altogether, underscores a significant shift in healthcare preferences and financial decisions.

Is Employer-Provided Life Insurance Enough? 3 Limitations You Need To Know

Employee group insurance, a key perk offered by employers, provides a range of coverages including life insurance, critical illness protection, and more. While these benefits can seem comprehensive, relying solely on employer-provided insurance has significant limitations. This article explores these limitations and highlights why securing your own personal insurance policy is crucial for continuous, tailored, and reliable protection. Discover the advantages of personalised coverage, dedicated service, and ensuring your insurability to navigate life's uncertainties with confidence.

CPF LIFE vs Retirement Income Plans: Which Is Better for Retirement?

Choosing between CPF LIFE and Retirement Income Plans is a crucial decision for retirement planning. CPF LIFE, as a national longevity insurance annuity scheme, ensures regular monthly payouts regardless of lifespan, offering security for retirees' desired lifestyles. In contrast, Retirement Income Plans from private insurers provide a mix of guaranteed and non-guaranteed benefits, catering to those seeking flexibility amidst market uncertainties. Explore the differences and discover which option best aligns with your retirement goals in this comprehensive comparison.

Life Insurance and Tax Implications in Singapore (2024)

How Much Life Insurance Do I Need?

Explore how to determine the right life insurance coverage using practical rules of thumb and detailed financial planning insights. Discover impacts of under and over-insurance, and get expert advice from Havend for a tailored insurance strategy.

Best Insurance Policies for Your Children: A Parent’s Ultimate Guide

A Complete Guide to Investment-Linked Policies (ILPs)

Do More Life Insurance Riders Equal to Better Coverage? Debunking the Myth.

Term vs. Whole Life Insurance: Key Differences

Life Insurance: A Smart Investment Move?

Dementia-Specific Insurance Plans: Is It Worth Getting?

Should You Get a Term Life Plan or Whole Life Plan?

The False Insurance Pitches We’re Tired of Hearing – The Woke Salaryman

How Much Insurance Is Required? (Part 2)

How Much Insurance Is Required? (Part 3)

How Much Insurance Is Required? (Part 1)

Duration of Insurance Required (Part 2)

Duration of Insurance Required (Part 1)

Key Risks for Consideration (Part 2)

Key Risks for Consideration (Part 1)

Havend’s Philosophy & The Purpose of Insurance (Part 2)

Havend’s Philosophy & The Purpose of Insurance  (Part 1)

The Truth About Using Insurance for Wealth Accumulation

Navigating the World of Financial Products for Your Newborn

Term Insurance: Our Case for It

The Cost of Lifetime Coverage: Are Whole Life Insurance Plans Worth It?

The Shocking Reality of Under-Insured Singaporeans: Are You One of Them?

Why Do We Prefer Term Insurance Over Whole Life Plans?

Singapore CareShield Life 101 – Part 2

Singapore CareShield Life 101 – Part 1

A Gracious Nation: Singapore as Seen Through MediShield Life and CareShield Life

Term Versus Whole Life Insurance: Protecting Your Future and Making Wise Financial Choices

Unveiling CareShield Life in 2020: Impact and Implications for You

Understanding the 2019 Critical Illness Standardisation and Its Impact

A Comprehensive Look at Legacy Planning and Gifting with Universal Life Policies – Part 1

A Comprehensive Look at Legacy Planning and Gifting with Universal Life Policies – Part 2

The Changes to Integrated Shield Plans: What Do They Mean for You

Unpacking ‘Buy Term and Invest the Rest’: Should That Always Be the Case?

Contemplating Critical Illness Coverage After Recovery

From Pregnancy to Parenthood: The Financial Surprises – Part 1

Protecting Your Little One: A Parent’s Guide to Children’s Insurance

From Pregnancy to Parenthood: The Financial Surprises – Part 2

Insuring Your Health: Preexisting Conditions and Insurance Solutions

Is Premium Financing Right for Your Insurance Needs?

Choosing the Right Insurance: A Look at Term Versus Whole Life

A Balancing Act: What Is the Right Amount of Life Insurance for You

What Do the Changes to Medishield Life Mean for You?

Critical Illness Coverage: Beyond the Basics

Myth Versus Reality: The Advantages of Term Insurance

MediShield Life and Integrated Shield Plan’s Response to Soaring Cancer Drug Costs

Is Putting Money in a Short-Term Endowment Plan a Smart Move?

Is Critical Illness Insurance Necessary for You?