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Nicholes Wong
07 Mar 2019
Diploma in Business Management at Nanyang Polytechnic
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Hariz Arthur Maloy
07 Mar 2019
Independent Financial Advisor at Promiseland Independent
Hi Alok, insurance products are honestly hard to understand and there are sometimes huge differences between direct purchase insurance products and those you purchase through an advisor or a firm.
Insurance is also a matter of life and death and its supposed to give your comfort and peace after purchasing adequate coverage for yourself.
For such a situation, I'd rather rely on a professional whose entire job is to understand and recommend solutions that provide you with a peace of mind.
And lastly, there are tons products out there, and insurers try their best to differentiate their products from each other, thus, if you'd like a comparison and advice from someone who has access to multiple insurers, you may want to look for an Independent Financial Advisor representative like myself. :)
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Luke Ho
07 Mar 2019
Founder and Director at CFX Money Maverick Pte Ltd
If it's your first insurance, almost certainly through an agent.
An agent will talk to you about ...
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If you know exactly what you need, you can buy directly. You also must understand the insurance jargons and how they works.