MAS REP · INDEPENDENT · SINCE 2014
Insurance advice that does not depend on the commission.
Two-hour policy review. SGD 350, refundable if you proceed. Commission rates published on every product recommended.
0 families
covered · gaps closed first
Coverage map · age 30 → 80
What you have, on one chart.
304050607080
Term life · SGD 0.0m · to age 60
Whole life · SGD 0k · lifetime
CI rider · SGD 0k
GAP · no term cover after 60
Policies
0
Gaps · overlap
0 · 0
Annual premium
SGD 0
Pacific Independent Advisory · MAS Representative · 2 hrs · SGD 350 · refundable on engagement
Independent financial advisory. I review your existing policies, identify the gaps, and only recommend new cover where it materially closes a gap. I publish my commission rates on every product I recommend.
How most policies get sold
Two ways to buy insurance.
Typical adviser
Tied agent
- ×Sells the products their parent insurer offers
- ×Commission rates rarely disclosed
- ×Cross-sell on every life event
- ×Hard to consolidate across insurers
Pacific Independent Advisory
Independent
hover to disclose
- ✓Recommend across multiple insurers; choose the best fit
- ✓Commission rates published; ask for the schedule
- ✓Review your existing portfolio before recommending anything new
- ✓Capped client book; everyone has my mobile
Pacific Independent Advisory
MAS Representative · file ref · PIA / SoA / 0517
For the attention of
Re · Statement of Advice · commission disclosure
Before any recommendation, you will see what I am paid.
Most advisers do not show you this paragraph. I print it on every Statement of Advice I issue. The three figures below are the typical year-one commission on the products clients ask about most often. Tap or hover any bar to lift it.
- Term life · year 1~55% of annual premium
- Whole life · year 1~110% of annual premium
- ILP · year 1~50% of annual premium
The lower the commission relative to premium, the better the product is for you. Almost always.
Next available · east
Thursday · 14 Jun
10:00 or 14:30 · 2 hrs
Fee · SGD 350
Refundable on engagement
Reply card · post or send
Yes, review every policy I hold. I will bring whatever I have.
☐ Paper files☐ Insurer app PDFs☐ Screenshots☐ Just a list of insurers
Pacific Independent Advisory · MAS Rep · book is capped at 90 · your call goes to my mobile