Joyce Toh

Accountant turn Financial Advisor with 8 years of experience

20/04/2024

For customers who like diy, can take a look at this comprehensive home insurance which covers home contents at first loss basis.

If interested, can apply using the link as attached

QBE Home Prestige

https://sg-customer.qbe.com/home/partner/04L01865/sub/SGPXTIL

25/02/2022

Apex's own webinar series.
1. Retirement Planning 101 - Sunday 6 Mar 3-5pm
2. Legacy Planning 101 - Sunday 13 Mar 3-5pm
3. Retirement Planning 101 - Sunday 20 Mar 3-5pm
4. Legacy Planning 101 - Sunday 27 Mar 3-5pm
Click on the event image for more details.
Register Now : https://forms.gle/YM2RyzrbTnqyncQv5

15/02/2022

Apex's own webinar series.

1. Retirement Planning 101 - Sunday 20 Feb 3-5pm
2. How to Keep the Doctor Away - Tuesday 22 Feb 7-8.45pm
3. Investment Talk with Fidelity - Thursday 24 Feb 7-8.45pm
4. Legacy Planning 101 - Sunday 27 Feb 3-5pm

Click on the event image for more details.

Register Now : https://docs.google.com/forms/d/1hOOh-9YmsweJ8KfMhlsZHRYjKb1B9dX1PlvsBciiKBc/edit

20/06/2019

Many people think that Eldershield is not important or necessary...

Similarly for this client age 50, he did not think that it is necessary and do not want to upgrade his Eldershield but due to the fact that it can be paid using his medisave, he agreed to do the upgrading...

However, within 1 year after the upgrading, he met with an accident and was not able to do 3 ADLs...

Although $900 a month ($600 + $300 from basic eldershield) does not seem alot but it can actually help his family to pay the fees to the nursing home, otherwise this additional cost will be borne by his family...

Buying insurance is never for ourselves, it is for the benefits of our loved ones. The decision that we make today can make a difference...

Act now before it is too late!!!

22/04/2018

19/11/2017

What is Eldershield?

ElderShield is an affordable severe disability insurance scheme which provides basic financial protection to those who need long-term care, especially during old age.

Are you aware that ALL Singaporeans and PR age 40 and above that they have been auto-enrolled by CPF into the basic Eldershield scheme?

However, the Basic Eldershield:

1. only pays out $400/month for 6 years, highly insufficient in the event of disability
2. pays upon inability to perform 3 out of 6 ADLs, whereas the upgrade pays upon inability to perform 2 out of 6 ADLs instead.

What are the Benefits of upgrading your basic Eldershield?

The current Eldershield upgrade is aimed to increase the amount payable, to afford an external help such as a nurse or maid, should you or your parents be unable to take care of yourself or themselves. It is also easier to claim. This is in line with the government’s initiative of having the basic Eldershield as an opt out scheme instead of an opt in scheme.

Thus, all Singaporeans turning age 40 and above who wish to obtain higher coverage can do so by purchasing ElderShield Supplements or upgrading. These Supplements complement ElderShield by offering additional benefits at different premium levels. They increase your coverage through:

(i) increasing the monthly payout 3 times more than the current
(ii) extending the payout period for LIFE or
(iii) a combination of both.

The best news is that this upgrade can be fully funded from your Medisave. (Hence no cash is required!)

Kindly leave a Message so that we can show you how to get it started without further delay!😊