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Jonathan Soh

Over 6 years of experience managing the financial portfolios of 400+ individuals. Representing 9 insurers.

Jonathan Soh

Wealth Manager at Aviva Financial Advisers

About

Over 6 years of experience managing the financial portfolios of 400+ individuals. Representing 9 insurers.

Credentials

Wealth Manager at Aviva Financial Advisers

Jonathan Soh

Wealth Manager at Aviva Financial Advisers

  • Answers (75)
  • Questions (0)
  • Reviews (0)

Insurance

Critical Illness (CI)

Financial Planners

FWD

FWD Big 3 Critical Illness - should I add riders for neurological and additional heart conditions?
Hi there. In my opinion if you add the riders, you might as well as put your money into the other insurers' CI plans instead. FWD's Big 3 CI plan is worth it because of how cheap it is. It is value for money for the amount of payout you get for one diagnosis, but if you add anymore premiums into it, then it becomes more similar to the other CI plans in the market. Yes neurological and heart disorders are all covered in the CI plans from the major insurers. Critical illnesses can have complications, relapses and lead to other forms of diseases and that's why the other CI plans in the market payout multiple times across different CIs. My recommendation will be to just get the basic Big 3 plan and focus the rest on a multipay CI plan. You can reach me here to find out more. I cover 9 major insurers including Manulife, Aviva, TM, etc.
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Insurance

Early Critical Illness (ECI)

Critical Illness (CI)

Term Life Insurance

Should I get a standalone cancer coverage? Was thinking about pru360? Or are there better plans? Since I alr have a term with accelerated ci plan of 250k. 30year smoker. Al?
Hi there. You can look at these independent comparisons for reference: https://www.interestguru.sg/best-early-critical-illness-plans-singapore/ https://treeofwealth.sg/early-stage-critical-illness/ All standalone CI plans in the market now covers major cancers. Standalone plans are more comprehensive in coverage than CI riders and so more expensive. You might want to look into critical illness plans before the definitions change in 1 or 2 weeks' time. You can reach me here if you like to find out more. I cover 9 major insurers including Aviva, Manulife, AXA, etc.
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Insurance

Critical Illness (CI)

Whole Life Insurance

Early Critical Illness (ECI)

Isit advisable to get a whole life plan(CI + ECI) with a low sum assured of $100K and add on term in future for higher coverage?
Hi there. Yes you can claim from multiple whole life and term plans. No problem. There is no claim limit across insurers for life/term insurance. It is a good combination (life and term) if you need higher death coverage while having a policy give you returns over time. You can reach me here if you like to find out more. I cover 9 major insurers including Aviva, NTUC, Manulife, etc.
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Whole Life Insurance

Critical Illness (CI)

Early Critical Illness (ECI)

AVIVA MyWholeLifePlan

Insurance

Would you still get an Aviva whole life (with ECI/CI) policy - versus from other companies, since Aviva wants to move out of Asia market?
Hi there. It was in the news that Aviva was trying to sell Singapore operations last year, but it decided against it as Singapore was the most profitable Asian unit (https://www.businesstimes.com.sg/banking-finance/aviva-keeps-its-china-singapore-businesses-after-asian-review). The likelihood of Aviva Singapore being bought by another insurer seems like a faraway thought for now. The recent news of Aviva wanting to move out of Asia came about because Aviva's chief said she wanted to focus operations in Europe (where their HQ is anyway), and everybody's tongues started wagging. Funny to say the least. In any likelihood that Aviva Singapore is sold, your policies will all still be honoured. In the history of Singapore's insurance landscape, there has been many companies bought and sold (John Hancock/Manulife, Prudential/UOB, etc). The policyholders of those companies sold are still holding on to their old policies with full validation accredited by the new company. There has been no news at all of policyholders not being able to get back their money because of change in company. You can reach me here if you like to find out more. I cover 9 major insurers including Aviva, NTUC, Manulife etc.
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Insurance

Critical Illness (CI)

Early Critical Illness (ECI)

Term Life Insurance

For guys who are planning to use Aviva SAF term plan with Living care and Living care plus coverage as your core insurance portfolio, how are you guys planning to address the exponential rising cost?
Hi there. I have Living Care policies myself as a customer. These plans are cheap but as you rightly pointed out, there will be a surge at one point. Coverage is also not as comprehensive as the standalone CI plans in the market. My recommendation will be to not rely wholly on these plans for your CI coverage. Get separate standalone CI plans as well. Once the costs start to rise, you can cancel Living Care and purchase additional CI plans to cover up for the shortage if your health is in good condition. Alternatively just stick to the Living Care plans, you can take it that the additional costs you are paying are to equalise for the past years of exceptionally low premiums. You can reach me here if you like to find out more. I cover 9 major insurers including Aviva, NTUC, Manulife etc.
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Insurance

Critical Illness (CI)

Early Critical Illness (ECI)

Health Insurance

I am intending to purchase insurance with the focus on Critical Illness. I was recommended Aviva MPCI and My Protector - Term Plan. What is the pros and cons?
Hi there. For critical illness and term plans especially, you can't go wrong with Aviva. They are among the strongest in the market for these two categories of products - cheap and high coverage. The only drawback I can see for you is all your eggs will be in one basket, but when it comes to claims it is also more efficient dealing with just one company/point of contact. You can reach me here if you like to find out more. I cover 9 major insurers including Aviva, NTUC, AXA etc.
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Insurance

Early Critical Illness (ECI)

Critical Illness (CI)

Term Life Insurance

I’m thinking whether my axa term protector with early ci rider should stretch to 65yr old or 75yr old. I definitely going for this plan already it’s just the tenor. Any advice?
Hi there. A big part of how a company prices its products lie with their distribution costs. The higher the costs the higher the premiums. Are you looking at term or life insurance? Because both have slightly different structures and coverage amounts. The best companies for term insurance vs the best companies for life insurance are also different. You can reach me here to find out more. I cover 9 major insurers including Aviva, NTUC, Manulife, AXA etc.
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Hospitalisation Insurance (H&S)

Insurance

Health Insurance

Which insurance company allow people with anxiety (just recovered) to buy health insurance?
Hi there. Anxiety is not considered a major condition. It also depends on what you mean by 'just recovered'. Are you still on follow up visits, medication? These are important to underwriters in deciding your application outcome. I cover health insurance from several major insurers like Aviva, NTUC, AXA etc. You can reach me here to find out more.
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Insurance

Whole Life Insurance

Critical Illness (CI)

Early Critical Illness (ECI)

What is the difference between getting another WL plan with multipay ECI/CI vs standalone multipay CI? I'm in my mid-20s and already have a WL plan with accelerated Cl rider of 150k until 65.?
Hi there. A standalone CI plan will be much more comprehensive than a CI rider. The former paying multiple times and the latter paying just once. If you are in your mid-20s it's definitely advisable to get yourself covered well for CI while your health is likely to be in good shape, so I will recommend you to take up a standalone CI plan. However since you already have a CI rider's coverage, your standalone CI plan can minus off a fraction of the coverage you have from the rider. The amount you should cover yourself depends on your income/expenses and your budget, but generally speaking 100k coverage will be considered basic. You can reach me here to find out more. I cover 9 major insurers, a few of which have the best CI plans in the market.
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AXA Shield Health Insurance

Insurance

Undergraduate

Does AXA Shield A, cover hospitalisation oif I am studying overseas?
Hi there. Yes, AXA Shield's coverage is worldwide. However, if one were to get hospitalised overseas, the claims process will be on a reimbursement basis, meaning you have to make full payment first and then process the claims online or physically when you are back in Singapore. This is in contrast to auto settlement when you are in Singapore, where most hospitals will liaise directly with AXA to process the claims directly and you don't need to fork out a single cent. You can reach me here to find out more. I cover 9 major insurers including AXA, Aviva, NTUC etc.
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