Cindy Teo - Insurance

08/10/2021

No matter where you are in life, these resilient Sprout seedlings are here to support you and your loved ones in the moments that matter. Learn what each Sprout represents here: https://ntucinco.me/3mslWnR

15/09/2021

🌍Little drops of water make a mighty ocean....🌏

⚘Every small step in the right direction counts....⚘

https://www.facebook.com/56001191265/posts/10157718337141266/

13/09/2021

⏳Why Not Having Adequate Medical Insurance Is A Ticking Time Bomb.......⌛

She is in her 40s and retrenched.

The reason…......

Because she got a stroke and she has not regained her ability to work as productively as before. She is much much slower, she cannot remember things well and forgets stuff. She cannot take on the same responsibilities as before.

Before stroke, she was an asset to the company.


After stroke, she is a liability.


Despite her working almost 2 decades for the company, she had to be let go. It is a business decision, can't blame the company, if the worker is not able to contribute as well anymore.

It could be a case of 30s, 40s, 50s, 60s,…

🍀Are you covered with adequate medical insurance?🍀

🌿When is the last time you review your insurance coverage?🌿

☀️This is important because in your busyness, you may have thought you had it sorted out, but you may have forgotten to do so, or you forgot to update the coverage.

🌳Are you building passive income stream?🌳

🏝While you are healthy and working hard to produce good income, have you set aside a % of your active income to build your passive income stream. Let’s face it.. There are only so many years you can work physically to exchange time for money. 🏝

💯Are you financially secure when you have to stop working- whether voluntarily or involuntarily due to health reasons or your employer’s business decision. 💯

Year 2020 has shown us the brutality of what a pandemic can do to disrupt people’s lives and income.

Take care and keep safe always…..

27/02/2021

Out of all the hikes so far, Bukit Timah Nature Reserve got the most kick! Lots of climbing up and down... great workout....And here makes me feel fully immersed in nature..

08/02/2021

Hi..

Just a gentle reminder .
Have you done the nomination of your insurance policies?

If not, do remember to do it.

It will help to alleviate the stress of your beneficiaries/dependents making the claims.

Having nomination done will be more expeditious; faster, less hassle and less stressful for the beneficiaries versus having to wait for the Grant of Probate ( if you have a Will) or the Letter of Administration ( if you do not even have a Will).

Examples of policies that you can do revocable nomination:
Dependent Protection Scheme policy
Endowment policy
Retirement plan
ILPs
Term protection policy
Whole life policy

Grieving for the loved ones is already a painful and consuming process. Getting faster access to the payout will be very helpful.

If you are worried that you might change mind and want to change your nominees, you can always do another revocable nomination to revoke the earlier one.

If you have drawn up a Will, do ensure the intentions in the Will tally with the nominations done.

And if any of the nominees change address, do remember to redo the nomination. It will facilitate in helping the insurer locate the beneficiary when the insurer is informed of the death claim.
(This example is based on a scenario where the family makes a claim so the insurer is notified. But one of the nominees is not part of the immediate family. The insured nominated that person without letting that person know, and that person won't know that he/she is eligible to claim.)

29/10/2020

*Why Sports Lovers Need Personal Accident Insurance in Singapore*
Whether you're a gym rat or the occasion yogi, enjoy tennis or soccer on the weekends, as long as you're active, here's why your regular hospital insurance plan isn't enough for you. _Read more: ntucinco.me/3kCDueR_

*Dengue in Singapore 2020: Protecting Yourself From The Worst Outbreak*
While everyone's tracking our daily COVID-19 cases, did you know the number of cases of dengue is actually higher? Learn about how to tell dengue apart from the common flu and COVID-19, and why insurance is an important part of your dengue protection plan. _Read more: ntucinco.me/2HDwRdv_

Reach out via whatsapp today..

28/10/2020

A friend has a collector antique tingkat that was used during weddings in the olden days. She asked me to help her interpret the chinese characters and translate into English.

At first glance, I said no no no.. traditional chinese I cannot la.... but hey on closer look, I actually can identify the chinese characters.. so happy!!

榮陽遣適
丙子年置

The individual meaning of the 4 words....

榮陽遣適

榮 glory, honor

陽 similar word to the sun.. meaning bright

遣 send off, dispatch

適 suitable

遣適 to convey

So i am guessing it might mean a blessing, a good wish....that the family will be respectable and full of honor, glory..?

丙子年置 is a reference to the time period

丙子 is
thirteenth year C1 of the 60 year cycle, e.g. 1996 or 2056

So i break down the characters and find its meaning and try to piece them together. It might not be the intended meaning of the characters inscribed on the tingkat handle.

If anyone knows, do share with us! :)

#榮陽遣適
#丙子年置

05/09/2020

What is the Difference between TPD and Severe Disability?

01/09/2020

Your To-Do List For Recession-Proof Retirement Savings

https://www.income.com.sg/blog/recession-proof-retirement-tips?utm_source=yahoo&utm_medium=retargeting&utm_campaign=content_Retirement

Reach out here,
cindyteo.com

With COVID-19 sending Singapore into a recession, what can you do to protect your retirement savings? Follow these tips to stay prepared as possible.

29/08/2020

Careshield Life - severe disability insurance. Effective 1 Oct 2020. Those who turn 40 in 2020 will be covered. Those born after 1990 will be covered when they turn 30. Compulsory. No opt out.

29/08/2020

Careshield Life - severe disability insurance.