life insurance
Life Cover
Life Insurance
Most Singaporeans have some life insurance — but far too little. We approach protection as a planning discipline: calculating your actual gap, comparing across insurers, and structuring cover that closes real shortfalls rather than ticking a box.
- We calculate your protection gap before recommending anything.
- We compare plans across multiple insurers — advice driven by your needs, not our commissions.
- We conduct annual reviews as your life changes.
- We support you through claims, not just at point of sale.
Term Life Insurance
Pure, affordable protection. A large lump sum for your family if you die or are permanently disabled — at a fraction of the cost of permanent cover.
Whole Life Insurance
Lifetime coverage with a growing cash value. A disciplined long-term asset useful for legacy planning and clients who value certainty.
Critical Illness Cover
A lump-sum paid directly to you on diagnosis of cancer, stroke, heart attack, or 37+ other conditions — regardless of treatment cost, giving you full financial flexibility to recover.
Our Approach
We help clients understand what they actually need — not just what is easiest to sell.
We do the groundwork most Financial Services Consultants skip — mapping your liabilities, dependants, and existing cover before recommending anything. By the time you sign, you know exactly what you are covered for and why.
No surprises at claim time.
Our Advisory Process
A structured four-step approach that ensures every client gets the right cover — and keeps it right over time.
Team
Kinetic
Advisory
Kinetic
Advisory
Needs
Analysis
Analysis
Policy
Design
Design
Annual
Review
Review
Claims
Support
Support
Products We Advise On:
Protection Plans:
- Term Life Insurance (level and decreasing)
- Whole Life Insurance
- Universal Life Insurance
- Critical Illness — Early Stage, Multi-Pay, and Traditional
- Total and Permanent Disability Cover
Health and Income Protection:
- Integrated Shield Plan Top-Ups (private ward and rider cover)
- Personal Accident Insurance
- Disability Income (income replacement for long-term inability to work)
- Maternity and Early Critical Illness Cover
Savings and Wealth Accumulation:
- Investment-Linked Policies (ILPs)
- Endowment and Savings Plans
- Retirement Annuity Plans
- Legacy and Estate Planning Structures
Find Out Where Your Protection Gap Stands
A straightforward conversation with one of our Financial Services Consultants is all it takes to understand whether your current cover is working as hard as it should. No obligation — just clarity.