Lum Wai Frances

31/03/2026

Having choices in financial advisory services.

We explore why the open architecture advisory model is gaining traction in Singapore, and how greater choice and transparency may lead to better financial outcomes for consumers.

10/11/2025

The only way is UP. That’s our Integrated Shield plans premiums. A way to reduce premiums will be to downgrade to restructured hospitals. Preferably do not cancel the riders as the coverage for Cancer claims will be low.

Raffles Health Insurance is the only insurer that has not raised premiums for two consecutive years. Read more at straitstimes.com. Read more at straitstimes.com.

24/10/2025

Dementia is real. The news article highlights the growing need for long-term care and dementia coverage. Singlife offers a dementia coverage add-on that can complement their long-term care plan, and AIA has a dementia rider to add to their Centurion PA to provide more comprehensive support in the future.

12/03/2025

No matter what stage you are at, it’s always prudent to take stock.

10/10/2024

Time to top up SRS!

10/07/2022

Mortgage loan rising, what should you do?

With rising rates, borrowers should consider paying off the loan instead of saving more money in the near term. Read more at straitstimes.com.

01/07/2022

Mid year check. Hope all is going well & on track!

08/05/2022

To all sacrificial mothers, pamper yourself to the max!

16/03/2022

Claim upon 5days in ICU?! 😱

19/02/2022

Budget at a glance

25/12/2021

Wishing all a Blessed Christmas and Happy New Year! Enjoy the festive period and treasure your loved ones!