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Making financial planning easy
Our mission is to offer an unbiased, human-plus-tech approach to effective insurance planning that considers your entire financial life—insurance, lifestyle, assets, and all.

01/11/2026

You have around $1M in cover and an $800K mortgage. So do you actually need the mortgage insurance the bank offered you?

If your existing insurance already clears the loan, a separate plan can be redundant. But check how much of that $1M is death and TPD cover, not CI. Compare total premiums, benefits and terms, not just $9,000 upfront vs $50/month.

Follow us for more straightforward answers to real insurance questions &A

28/10/2026

Working from home? Some of those extra costs may be tax deductible.

Additional electricity, extra phone charges and even a new Wi-Fi plan set up specifically for work may qualify. But your laptop, desk, chair, existing Wi-Fi bill and normal household expenses generally do not.

The key: it must be an additional expense incurred because you’re working from home and meet IRAS requirements.

Read the full guide here: https://bit.ly/4rmzu5b

25/10/2026

What happens to the money in your bank if you pass away unexpectedly?

Your savings become part of your estate, distributed by law. If you're unmarried with no kids and no Will, and both parents are alive, they inherit equally. But your family can't just withdraw it, someone needs Letters of Administration first. And CPF is separate. A Will doesn't control it, so your CPF nomination matters just as much.

Follow us for more simple answers to financial planning questions &A

21/10/2026

Waiting 10 years to buy whole life insurance could increase your premiums by 50%.

In these examples, a 30-year-old paid about $80,190 over 15 years vs $118,953 for a 40-year-old. Buying earlier generally means lower premiums, but cash value at 65 and the benefits matter just as much.

Full guide here: https://bit.ly/4ycTIkI

21/10/2026

On Saturday, we held this year’s Planner Bee Thank-You Morning, a small way of saying thanks for your support. It meant a lot to see so many of you there!

Grateful to our speakers for sharing their time:
- Baby Foo from Good Grove Psychology, on understanding your body and managing stress
- Mark Wong from Lions Befrienders, on planning your will properly

We hope you went home with something useful! Swipe through for some moments from the morning ➡️

18/10/2026

An agent told you one insurer guarantees coverage for your baby even with a pre-existing condition, and the other doesn't. Should you just go with the first one?

"Guaranteed coverage" and "pre-existing conditions are covered" don't always mean the same thing. Some plans let you transfer a life plan to your baby without medical questions, which helps if your child is born with a condition. But the health or hospital side of the same bundle can still exclude pre-existing and congenital conditions.

So don't decide on one sentence. Ask both agents to show you the policy wording for the exact same scenario, then compare the maternity benefits, definitions, sums assured and long-term premiums.

Follow us for more straightforward answers to real insurance questions &A

14/10/2026

A plan covering 26 conditions is not automatically better than one covering 23.

We compared 9 maternity plans in Singapore on congenital conditions and pregnancy complications. Great Eastern and HSBC Life HappyMummy top the count at 26, but the real difference is in the sum assured, pregnancy benefits and how well your child is covered.

Full breakdown here: https://bit.ly/4rjq0HP

11/10/2026

Same $250k of critical illness coverage, but premiums range from $1,020 to $2,844 a year. Here’s why

07/10/2026

Adopting a pet is a 10 to 15 year commitment, not a weekend decision.

Owning one costs roughly $2,500 to $5,500+ a year, and emergency vet bills can hit thousands. Before the cute overload wins, check your budget, emergency savings, and plan for the long haul.

Full breakdown here: https://bit.ly/47fjZTf

04/10/2026

Use the magic number 3.9 to figure out how much critical illness coverage you need

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https://plannerbee.co/

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