🇸🇬 Built for Singapore families

Find out if your family is actually protected

Most Singaporeans are underinsured and don't know it. In 3 minutes, get a free, specific insurance plan based on your real life — no personal details, no sales calls.

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Our plain-English privacy promise
InsureWise asks zero personally identifiable questions — no name, no NRIC, no email, no phone number — in the four-section assessment. Every answer you give is anonymised the moment you type it.
📋 What to have in mind before you start
💰Your rough annual household income
🏠Whether you own or rent your home
👨👩👧Number of people depending on your income
📋Insurance policies you currently hold
💳Rough outstanding debts (home loan etc.)
🎯What protection outcomes matter most to you
⏱ Takes 3 minutes. You'll receive a personalised report naming specific Singapore insurance products — the equivalent of a SGD 200 financial advisory session, completely free.

3,000+ Singapore families assessed this month

InsureWise
Step 1 of 14
About you · 1 of 14

How old are you?

Your age is the single biggest factor in insurance pricing and which products you can qualify for.

35
years old
Mid-30s — prime coverage-building years
1875
About you · 2 of 14

What is your gender?

Some insurance products — particularly critical illness and maternity plans — have gender-specific pricing and conditions.

👨
Male
👩
Female
🤝
Prefer not to say
Your work life · 3 of 14

What best describes your work situation?

Why do we ask?
?
Self-employed and business owners have no employer CPF contributions, making Disability Income coverage critical. Salaried employees may have some group insurance to account for.
💼
Employed
Salaried, company payroll
🧑💻
Self-employed
Freelance, consultant
🏢
Business owner
Director, SME owner
🏠
Homemaker
Family caregiver
🌅
Retired
No longer working
🎓
Student
Full-time education
Your family · 4 of 14

What's your family situation?

The number of people relying on your income is the biggest driver of your life insurance coverage needs.

Marital status
🧑
Single
💍
Married
↔️
Divorced
🕊️
Widowed
Children or dependants relying on your income
🚫
None
👶
1
👨👩👦
2 – 3
👨👩👧
4+
Your family · 5 of 14

Are you financially supporting elderly parents?

Why does this matter?
?
Supporting elderly parents increases your financial exposure — if you become unable to work, they lose support too. It also signals we should recommend long-term care coverage for your own future.
👴👵
Yes, I support them
Financially or as carer
🙅
No
Not my responsibility currently
⚠️
68%
of Singapore families with dependants
have a critical life insurance gap
If the breadwinner passed away today, most families would exhaust their savings within 18 months. A properly structured term life plan costs less than a daily kopi — and we're about to show you yours specifically.
Your finances · 6 of 14

What's your annual household income?

How this is used
?
Your income determines the correct sum assured for your life and disability policies. The standard formula is 10× annual income. Exact income is never stored — only the range (e.g. "$60k–$100k") is anonymised.
$72,000
per year (household)
Recommended life cover: ~SGD 720,000
$0$300k+
Your health · 7 of 14

Do you or a family member have pre-existing health conditions?

This is confidential
?
Pre-existing conditions affect which products you can access and at what premium. Most individual plans exclude them, which means we need to flag this clearly and direct you toward the right application process. This data is anonymised — we never store the specific condition.
💪
No conditions
Generally healthy
💊
Yes — mild / managed
Controlled with medication
🏥
Yes — serious / chronic
Ongoing treatment
🔒
Prefer not to say
Keep this private
Your coverage · 8 of 14

Which insurance policies do you currently hold?

Select everything that applies. We won't recommend policies you already have unless a meaningful upgrade is clearly warranted.

🏥MediShield Life
🛡️Shield Plan (ISP)
⏳Term life
♾️Whole life
❤️Critical illness
⚡Personal accident
💼Disability income
🤲CareShield (enhanced)
🏠Mortgage insurance
🏡Home insurance
📈Savings / endowment
❌None at present
🔍
9 in 10
Singaporeans have at least one
critical coverage gap
Even people with existing policies often miss Disability Income — which pays if you cannot work. CPF Life only begins at 65. Without DI, a 6-month injury could put your mortgage at risk. We're checking this for you right now.
Your finances · 9 of 14

What are your rough monthly household expenses?

This helps us calculate how much disability income coverage you'd need to maintain your lifestyle if you couldn't work.

$3,500
per month
Disability income needed: ~SGD 2,625/month (75%)
$500$15,000+
Total outstanding debt
$300,000
outstanding
$0$1.5M+
Your property · 10 of 14

Tell us about your home and any loans

Do you own or rent?
🏠
Own HDB
Flat or BTO
🏘️
Own private
Condo or landed
🔑
Renting
Tenant
👨👩👦
With family
No housing costs
Outstanding loans
✅
No loans
🏦
Home mortgage
🚗
Car loan
📊
Multiple loans
Your work · 11 of 14

What type of work do you do?

Why we ask
?
Physical and on-site workers face higher accident risk and often need different Personal Accident coverage tiers. Healthcare workers and frequent travellers also have specific coverage needs.
💻
Office / professional
Desk-based
🦺
Physical / on-site
Manual, outdoor
🩺
Healthcare
Clinical or medical
✈️
Frequent traveller
Regular business trips
What matters to you · 12 of 14

What does the right coverage look like for you?

Select all that resonate. These determine how we prioritise your recommendations.

🛡️
Replace my family's income if I'm gone
Life insurance · term or whole life
🏥
Cover hospitalisation and medical bills
Integrated Shield Plan upgrade
❤️
Lump sum if diagnosed with critical illness
Early or standard CI coverage
💼
Keep my income if I can't work
Disability income protection
🤲
Long-term care if I become frail
CareShield Life supplement
🏠
Clear my mortgage if something happens
Mortgage reducing term assurance
🏡
Protect my home and contents
Home and property insurance
📈
Build wealth for retirement or education
Savings, endowment, or ILP
Your preferences · 13 of 14

Budget and risk appetite

Monthly premium budget
This helps us sequence essentials first
?
We'll prioritise the most critical policies within your budget. If your budget can't cover everything, we'll tell you what to add as it grows.
$400
per month
$50$3,000+
Investment risk appetite
🛡️
Conservative
Capital first
⚖️
Moderate
Balanced
📈
Growth
Higher returns
Final step · 14 of 14

Anything important our advisor should know?

This is the most powerful input in your assessment. A sentence about your life situation transforms a generic result into something genuinely personal.

👶 Baby on the way
💍 Getting married
🏠 Bought a home
👤 Sole breadwinner
🧬 Family illness history
🌅 Near retirement
💼 Home business
🏥 Recent diagnosis
👴 Caring for parent
⛰️ High-risk hobby
Optional — Anonymous research consent
🔐
Stage 1 of 6
Encrypting your profile data
Your answers are being processed anonymously with 256-bit encryption before analysis begins.
Encrypting your profile
Scanning MAS-registered products
Checking your coverage gaps
Matching products to your profile
Calculating premium estimates
Building your personalised report
InsureWise
✅ Analysis complete
Your personalised insurance plan
Loading your assessment…
—
/ 100
Coverage gap score
Calculating your score…
🧠 InsureWise Priority Scoring Engine
Category priority scores
How urgently your profile needs each type of coverage — 0 to 100
v1 · Rules engine
How scores are calculated: Each category is scored using a rules-based engine that weighs your age, income, employment, dependants, existing coverage, loans, home ownership, and signals detected from your notes. Scores update as your profile changes. 📊 v1 Rules engine · Updates to ML model at 500+ submissions
How to read this: Products shown commonly match profiles like yours, drawn from publicly available MAS-registered insurer data. This is educational comparison — not regulated financial advice. Always verify terms directly with the insurer and consult a MAS-licensed FA before purchasing.
🏆 Top match — highest priority for your profile
🏆
Top match · essential coverage
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Why this policy matches your profile
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All recommended products — priority order
Side-by-side comparison
Select up to 3 policies to compare
🃏 What does this actually mean? Tap to flip
🤝
Ready to secure your plan?
A MAS-licensed FA will contact you within 24 hours to apply for these specific policies. No pressure, no obligation.
Data you share here is different: We only ask for your name and mobile number. These go directly to the FA and are never stored on InsureWise's servers.

InsureWise may receive a referral fee from the FA firm. This does not influence your recommendations.

Profile used for this analysis

Products presented by InsureWise are for general educational and comparison purposes only and do not constitute financial advice or any regulated financial service under Singapore's Financial Advisers Act (Cap. 110) or Insurance Act (Cap. 142). InsureWise is not a MAS-licensed financial adviser. Always consult a qualified MAS-licensed adviser before purchasing any policy. Premiums are indicative and subject to individual underwriting.

InsureWise does not store your name or mobile number. Anonymous profile data is only retained with your explicit consent. InsureWise may receive referral fees from licensed FA partners.

© 2026 InsureWise Singapore  ·  Privacy Policy  ·  privacy@insurewise.sg

Educational comparison tool only. Not a licensed financial adviser.

InsureWise Admin

Authorised access only.

Incorrect password.

InsureWise

Privacy Policy

Effective: April 2026 · InsureWise Singapore · privacy@insurewise.sg

1. Two data streams — kept entirely separate

InsureWise operates two separate data streams: (A) Anonymous profile data from the four-section assessment — contains zero PII; and (B) Contact data (name + mobile) collected only if you explicitly request an FA consultation. Stream B is transmitted directly to the FA firm and is never stored on InsureWise's systems.

2. What anonymous data we collect (Stream A)

With your consent: age group, gender, employment, income range, marital status, dependants, health condition category, loan type, occupation, home ownership, protection goals, budget range, risk appetite, coverage gap score, detected signals from free-text (categorised only, no raw text), FA referral status, referral source. No PII of any kind.

3. Commercial relationships

InsureWise may receive referral fees from MAS-licensed FA firms on successful policy purchases. These fees do not influence the AI-generated recommendations, which are produced independently.

4. Your PDPA rights

Withdraw consent, request data access or deletion, or lodge complaints with the PDPC at www.pdpc.gov.sg. Contact: privacy@insurewise.sg. Data retained maximum 24 months then permanently deleted.