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Real, phone-verified reviews from the community.
I hired him for accounting and tax services. There was never any miscommunication - he was very clear, the communication was smooth, everything was explained properly, and he is very knowledgeable and always there to help, which makes me feel assured. He is always on time, respectful, and he delivers. I do this with another partner too so the services are affordable since we split the cost, and I look up to him.
I hired Morgan from JM Atelier to help with my corporate secretary services, advising me on all the entities I need help with, from taxes to the corporate secretarial filings that need to be done. Onboarding was done well and professionally, everything was clear and it was easy for me to understand. I felt supported in decision making all the time, they call me whenever I need it, and I can call them at any time too. Price felt fair and the service has been very good.
Morgan helped me to set up a partnership with my co-founders for my company in January this year. They’re also helping us with our accounting and taxes, helped us get contacts quickly, and were very responsive. I had a lot of questions and I felt like I could trust them; with the accounting and taxes all went well, they help me keep track of cash flows and give me regular updates about how healthy we are with our financials, and they always answer if I ask how much we need to be cash positive. I’m sticking with them
Real price ranges from the jobs our vetted insurance agents actually do. Prices updated August 2026
How much does expat health insurance cost in Singapore?
Considerably more than a local plan. International health cover for an individual in Singapore averages around S$8,800 a year, against S$270 to S$1,700 for a local Integrated Shield Plan. The gap buys portability, direct access to private hospitals and cover outside Singapore. The catch for foreigners is that Integrated Shield Plans are open to permanent residents and citizens, not to employment pass holders, so if you are here on a pass your realistic options are your employer's group scheme or a private international policy. Check what your employer already provides before buying anything, and check what happens to it the day you leave the job.
How much does income protection cost in Singapore?
Priced on your age, occupation, income and how long you want it to pay out for, so it is genuinely a quoted product rather than one with a list price. The advice itself is free because the agent is paid by the insurer, at 20% to 50% of your first year premium. Before buying, check what you already have. Many Singapore employers provide group cover, and CareShield Life pays out in cases of severe disability. Income protection fills the gap between those and your actual salary, and the honest version of the conversation starts by working out how big that gap is rather than with a product.
How much do retirement products cost through an insurance agent in Singapore?
The advice is free and the products carry commission, which is exactly why this needs care. Your retirement base in Singapore is CPF, and CPF Life pays a monthly income for life without any agent involved. Retirement and endowment policies sold on top are commercial products where first year commission runs 20% to 50% of the premium, and the long lock-ins mean stopping early can return less than you put in. Ask what the surrender value is at year three and year five, in dollars, before signing. If the answer is well below what you will have paid in, that tells you what kind of product it is.
How much does health insurance cost in Singapore?
An Integrated Shield Plan, which is what most Singaporeans and permanent residents hold on top of MediShield Life, costs roughly S$270 to S$310 a year in your twenties, S$415 to S$515 in your thirties, S$870 to S$1,140 in your forties and S$1,500 to S$1,695 in your early fifties. Most of that is payable from MediSave rather than cash, up to S$300 a year below 40 and S$600 from 41, so the actual cash outlay is much smaller: close to nothing in your twenties, rising to a few hundred dollars in your forties. Riders are extra, and from April 2026 new riders cannot cover your deductible.
How much does life insurance cost in Singapore?
Term life is the cheap, straightforward option and whole life is where the money goes, often several times the premium for the same cover. This is the product where the commission gap matters most, since first year commission runs 20% to 50% or more of your annual premium and is far larger in cash terms on a whole life or investment linked plan than on term. That is the single biggest reason term is recommended less often than the arithmetic would suggest. Decide the sum assured and the term you actually need first, get quotes for term on that basis, and only then let anyone show you an alternative.
How much does car insurance cost in Singapore?
A full cover policy, the top tier that pays for damage to your own car as well as other people's, is S$700 to S$2,000 a year. A typical case, a driver in their mid thirties with a clean record and 50% no claim discount, comes in around S$850 to S$1,150. Third party, or third party fire and theft, is cheaper at S$500 to S$900 but the reduction in cover is substantial. Two add-ons move the number more than people expect: letting you use any workshop rather than the insurer's panel adds S$100 to S$250, and an unnamed driver provision adds S$150 to S$400. Electric cars carry a surcharge of roughly 15% to 20%. Premiums have been rising across the market, so do not assume last year's renewal.
How much does long-term care insurance cost in Singapore?
Singapore has a national scheme, so start there rather than with a private policy. CareShield Life covers severe disability and is compulsory for those born in 1980 or later, with premiums payable from MediSave rather than cash. Anyone born earlier is either on ElderShield or can opt in. Agents sell supplements on top that raise the payout, and those are ordinary commercial products with ordinary commission attached. The question to ask before buying a supplement is what the national scheme already pays you and what gap you are actually filling, because that conversation is often skipped.
How much does mortgage insurance cost in Singapore?
For HDB flat owners paying with CPF, the Home Protection Scheme is compulsory and the premium comes out of your CPF rather than your bank account. It covers the outstanding housing loan if you die or become permanently incapacitated, and it applies to HDB flats only. Private property and bank loans are not covered by it, so owners there buy a decreasing term policy instead, priced on age, health and loan size. Worth knowing: the Home Protection Scheme protects the flat, not your family's income, and it ends when the loan does. It is not a substitute for life cover.
How much does home insurance cost in Singapore?
Home cover here is cheap compared with most countries, and it comes in two parts that people confuse. The HDB Fire Insurance Scheme covers the building structure only and costs a few dollars a year, which is why HDB flat owners with a housing loan often have it without noticing. It does not cover your belongings, your renovations or your liability. A separate contents and home policy does, and that is the one worth having, typically quoted per year according to what you are covering. Renovation cover is the gap most often missed, since the HDB scheme excludes it and renovations in Singapore are rarely cheap.
How much does pet insurance cost in Singapore?
Quoted on the animal's species, breed and age, and it is a small market here with only a handful of insurers. Premiums rise steeply as a pet ages and most policies exclude pre-existing conditions, which is the reason to insure a young animal rather than wait. Read what is actually covered before comparing prices: many policies exclude dental, routine vaccinations and hereditary conditions common in particular breeds, which is where the real cost of an older pet usually falls. Weigh it against simply setting money aside each month, because for a healthy young animal that is often the better arrangement.
How much does travel insurance cost in Singapore?
Travel cover is bought per trip or as an annual policy, and it is one of the few products here you can sensibly buy yourself from a comparison site in ten minutes without an agent. An annual multi-trip policy makes sense from roughly three trips a year onwards. Two things to check rather than assume: whether your credit card already includes cover, which many Singapore cards do if you paid for the flights with it, and what the policy says about pre-existing conditions and adventure activities, which are the two most common reasons a claim is refused.
How much does commercial property insurance cost in Singapore?
Quoted on the building, its use, the sum insured and the trade going on inside it, so a workshop and an office of the same size price very differently. Get the rebuilding cost right rather than the market value, since under-insuring is the mistake that turns a covered loss into a partial payout under an average clause. If you lease rather than own, be clear about who insures what: the landlord typically covers the building, leaving you responsible for your fit out, stock and liability, and that split is written in your lease rather than decided by convention. Broker advice on this is free to you.
How much does professional indemnity insurance cost in Singapore?
Quoted on your profession, revenue and the cover limit you need, and for some professions it is not a choice. Lawyers, accountants, architects, engineers and financial advisers in Singapore face professional indemnity requirements through their own regulators or licensing conditions, so check what your body requires before shopping on price. The number that moves the premium most is the limit of indemnity, and the second is your claims history. Read the basis of cover: most of these policies work on a claims made basis, which means the policy must still be live when a claim arrives, not when the work was done.
How much does business insurance cost in Singapore?
Quoted on your industry, headcount and turnover, so there is no list price, and a broker rather than a tied agent is usually the better route for a business. Two things are not optional in Singapore and should be priced first: work injury compensation insurance, which is required by law for manual workers and for employees earning under the salary threshold, and the mandatory medical insurance an employer must hold for work permit and S pass holders. Everything else, meaning public liability, property, business interruption and cyber, is a commercial decision. Get the compulsory covers quoted before the optional ones.
Does an insurance agent charge for claims help in Singapore?
No. Helping you claim is part of what the agent is already paid for by the insurer, and there should never be a separate bill for it. This is the moment that shows whether you have a good agent, because it is the one part of the relationship that earns them nothing extra. If your agent has left the industry, which happens often, the insurer will assign you another one or you can claim directly through the company. Keep your policy documents somewhere you can find them and know your deductible, which on a Shield plan ranges from about S$1,500 for a C ward to S$3,500 for a private hospital.
How much does an insurance agent cost in Singapore?
The meeting is free. Insurance agents in Singapore are paid by the insurer, not by you, so consultations, policy reviews and comparisons carry no fee. What you pay is the premium. The part worth understanding is how the agent gets paid out of it: first year commission on a protection or life policy commonly runs 20% to 50% or more of your annual premium, with smaller renewal commissions of roughly 5% to 30% in later years. That is not a scandal, it is how the industry works, but it does mean the products that pay most are the ones most often recommended. Ask directly what the commission is. A good agent will tell you.
What people want to know before hiring insurance agents in Singapore.
