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For Singapore · References public MAS, MoneySense, LIA and CPF guidance
Create a simple overview of your current insurance portfolio. Understand your protection level, identify possible gaps, and generate structured summaries from your policies.
Educational estimate score
SampleWorth reviewing. Critical Illness cover may end at 65, before the typical CI age window.
The Insurance Portfolio Score
The Hing & Co Insurance Portfolio Score is a free educational review for Singapore residents. In about five minutes, it compares your declared insurance coverage against public benchmarks from the MAS Basic Financial Planning Guide, MoneySense, LIA Singapore and CPF schemes, then visualises your protection across life, critical illness, hospitalisation, personal accident, disability income and retirement.
Answer a short structured questionnaire or upload your policy documents. The tool extracts key fields, compares them against public benchmarks and shows your lifetime protection with clear charts and short explanations.
Before your overview appears, you will be asked for your name, email and mobile number. Your details are not passed to insurers or third-party agents.
Use the free overview to understand your portfolio, verify policy details directly with your insurer, and review the linked official sources before making any decision. If you would like to talk it through, you can book an optional free 15-minute chat with Kenneth Hing. Your details are not passed to insurers or third-party agents.
Book a free 15-minute chatWhat the score covers
This score helps users understand how complete their insurance portfolio may be across major protection areas. It is a directional, educational indicator, not an official rating.
Death and total permanent disability protection for the people who depend on your income.
Lump-sum support if a major illness such as late-stage cancer is diagnosed.
Earlier-stage cover that can help during diagnosis and recovery, before a condition becomes severe.
Integrated Shield Plan and ward type, reviewed against your preferred class of hospital care.
Cover for injury, disability or expenses arising from accidents.
Monthly income replacement if illness or injury stops you from working.
CareShield Life and any private supplement for severe disability and daily care needs.
Projected retirement income, including CPF LIFE references, against your desired lifestyle.
Whether total premiums sit within a sustainable share of your take-home pay.
What you will see
Every chart, score and explanation is written for humans, in plain English, with every assumption shown.
Lifetime protection
Five coverage lines, mapped from today to age 100. Each policy ends at a different age, exposing gaps worth reviewing.
The analysis compares your current coverage against an estimated need, then highlights a possible shortfall or excess.
Strength
SampleYour hospitalisation choice gives you broad access to private hospitals island-wide.
Worth reviewing
SampleYour CI rider ends before typical CI age window. A possible future gap.
Notice
SampleTwo policies appear to cover similar early CI benefits. Worth a closer look.
Sample score only. Real results depend on user-provided information and benchmark references. Figures above are an illustrative sample based on public benchmarks.
Source labels: Official benchmark, Public scheme reference, Internal educational assumption. View Sources & Methodology
Policy summary generator
Upload screenshots or policy documents and the tool reads the key details, then shows them back to you for verification before generating a structured summary.
PDF pages, photos and screenshots are supported. You stay in control of what is included and can edit any field that was read incorrectly.
Some important policy details may be missing. Please upload additional pages or verify with your insurer before relying on this summary.
Why us
Every choice in this product, from the colors to the wording, is designed to keep you in control. You see the full picture first, then decide if you would like to talk it through.
Your score and summary are free. If you have questions, book a free 15-minute chat with Kenneth Hing, founder of Hing Privileges. He explains your results and does not recommend products.
Stored on Google Firebase, encrypted in transit and at rest. Delete uploaded policies from your dashboard, or email support@hingfluence.com to remove your data.
Our logic references public MAS, MoneySense, LIA and CPF guidance, and is transparent about every assumption. We are not endorsed by them.
No fear marketing. No urgency timers. Just a quiet space to understand what you have.
Common questions
Still unsure about something? Email support@hingfluence.com.
An insurance portfolio score is an educational indicator of how complete your current insurance coverage appears across major protection areas in Singapore: life, critical illness, early critical illness, hospitalisation, personal accident, disability income, long-term care, retirement income and premium affordability. It compares the coverage you declare against public financial planning benchmarks such as the MAS Basic Financial Planning Guide, MoneySense, LIA Singapore studies and CPF schemes. It is a directional self-assessment, not an official rating.
As a general public benchmark, MoneySense and the MAS Basic Financial Planning Guide reference around nine times annual income for death and total permanent disability cover, and around four times annual income for critical illness. These are rules of thumb only. Your actual need depends on dependants, debt, existing savings, CPF balances and lifestyle, so treat the figure as a starting point for your own review.
A coverage gap is the difference between your estimated protection need and the coverage you currently hold. If your need is higher than your current sum assured, the shortfall is a potential gap worth reviewing. If your current coverage is well above the benchmark, it may indicate possible excess. A coverage gap is an estimate based on the information you provide and general benchmarks, not a prediction of any future claim.
Yes. You can upload screenshots, photos or PDF pages of your policy documents. The tool reads the key details and shows them back to you for verification before generating a policy summary. You stay in control of what is included, and you can edit any field that was read incorrectly.
If important details are missing, the summary clearly flags it and asks you to upload additional pages or verify with your insurer before relying on the result. Missing information can affect the accuracy of both the policy summary and the portfolio score, so the tool is transparent about what it could not read.
No. This is an independent educational tool. It is not an official score from MAS, LIA, any insurer or any government agency, and it is not endorsed, approved or certified by them. It only references their publicly available guidance to help you understand your portfolio.
No. This interactive assessment is for financial education only. The results are not official assessments, recommendations, or a basis for deciding whether to buy, cancel, switch or replace a policy. Verify policy details with your insurer and seek help from an appropriately qualified professional when needed.
Your results are free and shown straight away. We may contact you about optional support for your assessment only where you have agreed to it, and your details are not passed to insurers or other agents. If you have questions about your results, you can book a free 15-minute chat with Kenneth Hing, founder of Hing Privileges. He explains what your results mean and does not recommend products.
Your account and reports are stored on encrypted infrastructure provided by Google Firebase. You can delete uploaded policies from your dashboard at any time, or email support@hingfluence.com to remove the rest of your data. Hing & Co does not sell your personal information.
When you are ready
No commitments and no product recommendations. Just a calm answer to a question that has been quietly bothering you.
Free overview · About 5 minutes