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.
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.
With the recent changes to Integrated Shield Plan (IP) riders effective 1 April 2026, premiums for certain options have been adjusted, offering some relief amid rising healthcare insurance costs. You may have already consulted your financial adviser to explore whether downgrading could help manage these expenses.
But the reality is, it can be challenging to find unbiased guidance when considering whether to downgrade, especially when the new premiums are lower.
At Havend, we’ve met many who aren’t looking to make new purchases—they simply want an honest, professional perspective on whether downgrading their IP rider makes sense.
With these changes, the decision is no longer just about lower premiums today. It’s about understanding the trade-offs—how much you save in premiums versus what you may need to pay out-of-pocket in the event of hospitalisation. This becomes even more significant if you’re making this decision not just for yourself, but for your family, where the cumulative impact can be substantial.
For those looking to quantify these trade-offs, this fee-for-advice service provides a dedicated space to do just that. It offers a clear, unbiased second opinion on your coverage, so you can make a decision with clarity and confidence.
You’re not here for a sales pitch—you just want to be sure. That’s exactly what we’re here for.
