Integrated Shield Premiums Skyrocketing! Should You Consider Downgrading Your Rider?

Welcome to Episode 8 of 10 Must-Know Insurance Tips Agents May Not Tell You, a series designed to break down complex insurance topics into simple, easy-to-understand terms. From debunking common myths to uncovering truths your agent might not always share, this series is here to empower you to make informed decisions about your insurance, without paying unnecessarily for excess coverage! Jayla, Experience Specialist at Havend, joins Eddy, CEO of Havend, to tackle a question close to every Singaporean’s heart (and wallet): Integrated Shield Plans (IP) premiums are skyrocketing—should you consider downgrading your rider? Timestamp: 01:10 IP premiums rising and its reasons 03:00 "Buffet syndrome" in IP 04:09 Main IP covers bills but not deductibles or co-insurance 06:15 Adding a rider 08:17 Riders needed for extra cancer claims 09:00 Downgrading riders 11:01 Upgrading riders later 12:39 Plan ahead 15:13 Retirees should create income streams and maintain a medical safety net 18:46 Secure your retirement and have peace of mind Contact us for your free InsureWell Assessment, without the fear of being mis-sold, pressured, or over-sold: https://havend.com/contact/ Download our latest complimentary eBook, 'The CPF Playbook' a practical guide to help you make the most of your CPF for wealth building and retirement planning: https://havend.com/publications/ Like, Comment, and Subscribe for more insightful videos on insurance planning simplified! ________________________________________________________ Connect with Havend: ▸Facebook:   / havendsg   ▸LinkedIn:   / havend   ▸Instagram:   / havendsg   ▸Website: https://havend.com/ Music by Bensound.com/free-music-for-videos (License code: COHTCSL6GD8EB31X) © Havend Pte Ltd 2025. All Rights Reserved.