Integrated Shield Premiums Skyrocketing! Should You Consider Downgrading Your Rider?

Welcome to Episode 8 of 10 Must-Know Insurance Tips Agents May Not Tell You, a series designed to break down complex insurance topics into simple, easy-to-understand terms.

From debunking common myths to uncovering truths your agent might not always share, this series is here to empower you to make informed decisions about your insurance, without paying unnecessarily for excess coverage!

Jayla, Experience Specialist at Havend, joins Eddy, CEO of Havend, to tackle a question close to every Singaporean’s heart (and wallet): Integrated Shield Plans (IP) premiums are skyrocketing—should you consider downgrading your rider?

Timestamp:
01:10 IP premiums rising and its reasons
03:00 "Buffet syndrome" in IP
04:09 Main IP covers bills but not deductibles or co-insurance
06:15 Adding a rider
08:17 Riders needed for extra cancer claims
09:00 Downgrading riders
11:01 Upgrading riders later
12:39 Plan ahead
15:13 Retirees should create income streams and maintain a medical safety net
18:46 Secure your retirement and have peace of mind

Contact us for your free InsureWell Assessment, without the fear of being mis-sold, pressured, or over-sold: https://havend.com/contact/

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