Commission rates, published.

Most financial advice is paid via commissions split between the insurer and your adviser. The split is rarely shared with you. I publish the split for every product I recommend, in writing, before you sign anything.

Below is a representative table for the most common products. Specific schedules per insurer are available on request.

Term life · Singapore-domiciledYear 1: ~55% · Year 2-6: ~5%
Whole lifeYear 1: ~110% · Year 2-3: ~30% · Year 4-6: ~10%
ILP · 25-yearYear 1: ~50% · Year 2-3: ~25% · Year 4-25: ~3%
Critical illness riderYear 1: ~55% · Year 2-6: ~5%
Annuity / SRS plansOne-off: 1.5-3.5% of single premium

Rates are approximate; exact split is shared in writing with every recommendation. The lower the commission relative to premium, the better the product is for you. Almost always.

All portfolio Next viewFnb Brand

Commission disclosure

Commission rates, published.

Below is a representative table for the most common products. Specific schedules per insurer are available on request.

Term life · Singapore-domiciledYear 1: ~55% · Year 2-6: ~5%
Whole lifeYear 1: ~110% · Year 2-3: ~30% · Year 4-6: ~10%
ILP · 25-yearYear 1: ~50% · Year 2-3: ~25% · Year 4-25: ~3%
Critical illness riderYear 1: ~55% · Year 2-6: ~5%
Annuity / SRS plansOne-off: 1.5-3.5% of single premium

Rates are approximate; exact split is shared in writing with every recommendation. The lower the commission relative to premium, the better the product is for you. Almost always.