Research has shown that Singaporeans are generally under-insured, although many realise the importance of having sufficient coverage against death, disability and critical illnesses. Without adequate insurance, you and your family may suffer financially when a breadwinner of the family dies prematurely or contracts a critical illness.

We believe most people:

• buy the wrong type of insurance, or
• buy the type of insurance that is expensive and has low coverage, or
• fear being pressured to buy products or being oversold.

CommissionsFreeInsurance is created to allow everyone to:

• get the right insurance coverage,
• that is most affordable and best suited, and
• without any pressure tactics

Providend is an Independent Financial Adviser licensed by the Monetary Authority of Singapore (MAS). All our consultants hold relevant professional and academic credentials. Below is a list of our achievements:

• Appointed as consultant to the CPF Board to develop their web-based Retirement Planner tool, which was launched in June 2004.
• Authored the Singapore Master Financial Planning Guide (published by CCH Asia).
• Authored Estate Planning Made Easy (published by Sweet & Maxwell Asia).
• Contributed articles to The Edge, Dare, Business Times and Smart Investor.
• Sought after for expert opinions on financial matters by The Straits Times, Business Times, Today, Streats, Berita Harian, The Edge, Mediacorp's Channel News Asia, Channel 5 & Channel 8.

To find out more about Providend, visit our website at www.providend.com

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