For Affluent Singaporeans 55 and Above With Pre-Existing Medical Conditions

Told You're Difficult to Insure? You May Have More Options Than You Were Given for Your Legacy and Your Retirement

Even If You've Been Previously Declined, Postponed, Loaded Or Excluded

Why Work With Me

Gillaine Kum

Top of the Table¹, Top 1% in the industry

15 years helping clients with complex medical histories explore available insurance options.

1

I help affluent people with pre-existing medical conditions pursue suitable coverage

I go back through what was actually assessed the first time, prepare the medical case properly, match it to the right insurer, and sequence the applications in the right order. This is the work I've specialised in for 15 years.

For 15 years, I have focused on helping clients with pre-existing medical conditions understand and explore suitable insurance options.

2

I help you look at healthcare protection first, so your legacy planning is built on a stronger foundation

When you have pre-existing conditions, healthcare costs can become a major concern. Without adequate protection, medical expenses may reduce the assets you had intended to preserve for your family.

So I take care of that first. Then I can ask you the question that really matters: how much do you genuinely want your children to have? Not what will be left. What you want them to have.

That's when I can properly plan for the legacy you want to leave.

3

I help you plan for the retirement you want, alongside the legacy you intend to leave

Setting aside a legacy doesn't mean setting aside the money. That distinction is the whole thing, and almost nobody explains it.

Setting aside a legacy doesn't necessarily mean setting aside the full amount. Depending on the solution, it may take only a portion of it, properly structured. The rest stays available for you.

Yours to spend. Travel. Healthcare. A better home. Supporting your children now, while it changes something for them, instead of in thirty years. The grandchildren. Your own comfort and independence.

The goal is to help you enjoy the retirement you've worked for, while planning for the legacy you want to leave.

Client Situations I've Worked On

Cancer Survivor With Prior Underwriting Challenges

Ms Cheng · Early 40s · Senior executive

Some Of The Key Highlights:

A cancer survivor with deteriorating health, married without children.
On paper, a decline.
Her medical history made underwriting more complex, so I reviewed the available options carefully and structured the application around her circumstances.
The planning also considered how she could provide for her elderly mother should she predecease her.
At the same time, I considered how the plan could support her longer-term retirement needs.

Protection Planning After a Life-Changing Injury

Mr Tam · Early 60s · Technician

Some Of The Key Highlights:

He didn't believe in insurance. Before he fell ill he had cancelled every personal accident and life plan he held, convinced insurers just took his money.
Then a sudden illness cost him his limbs, and meant he could no longer be insured himself.
His existing funds, meant for his two children's education, came under my administration. That is where I began.
Since he could no longer be insured himself, I reviewed protection options for his wife and two children instead.
I also structured his funds with the aim of providing him with a regular source of income.

Retirement And Legacy Planning After a Critical Illness Payout

Mr P · Mid 50s · Single

Some Of The Key Highlights:

Diagnosed with leukaemia in his 40s.
A critical illness payout gave him capital, but no plan for what to do with it.
He tried endowment plans, but long tenures, yearly-only payouts and non-guaranteed projected returns put him off buying more.
I reviewed how his funds could be diversified, include an appropriate protection element, and support his retirement income needs.
He wanted to enjoy his money now, but also to leave a token of love to the people who cared for him when he was sick.
The planning brought both priorities into the same overall strategy.

Legacy Planning for a Single Retiree

Ms Lim · Mid 60s · Secretary

Some Of The Key Highlights:

Single, and determined to leave a legacy anyway.
Her goal: to provide meaningfully for the people she cares about.
She was also worried about rising healthcare costs and climbing Shield plan premiums, so she began saving with intent when I met in her 50s.
She topped up her CPF Retirement Account to the Enhanced Retirement Sum, and still kept saving alongside it, year after year.
Her planning includes protection intended for the beneficiaries she cares about.
As she approaches retirement, she can review whether to draw an income or leave the funds invested, depending on her needs and circumstances.

Protection Review for a Family Matriarch With Pre-Existing Health Conditions

Mrs Tan · Late 60s · Senior management

Some Of The Key Highlights:

Matriarch of four children, and a believer in insurance her whole life. Decades of plans, spread across several insurers.
She carried the full cost of coverage for a husband who didn't believe in any of it, and for her children.
Everyone in that family was protected except the woman holding it together.
Her health conditions made her own coverage the hard problem. The hard problem had simply been left alone.
When her adviser retired, nobody told her about the features inside those old plans.
The review identified features and policy values that had not been actively reviewed after her adviser retired.
I revisited her protection needs and explored available options in light of her pre-existing health conditions.
I also reviewed the existing portfolio, restructured parts of her husband's coverage, and considered how her assets could support her retirement income needs.
The review brought her own protection needs back into focus, alongside the wider family portfolio.

Retirement Income Planning for a Retired Educator

Mr Cheong · Early 70s · Retired educator

Some Of The Key Highlights:

He didn't believe in insurance.
His wife funded the family's coverage and he had none of his own and no income plan either.
He was walking out of a long career in education into retirement with nothing designed for it.
I set up a plan structured to provide monthly income from 2023.
By 2025, he chose to reinvest future dividends rather than receive them as payouts because his circumstances had changed.
He later chose to leave the funds invested rather than continue drawing an income.
The focus was not on a windfall, but on giving him more clarity and flexibility in retirement.

What Happens On The Legacy & Protection Assessment

A walk through your situation, your past experiences with insurers, your current assets, and the legacy you intend to leave

A second opinion on whether your case may be worth revisiting and what insurance options may be available for people with pre-existing conditions

How people in your position think about balancing the legacy they want with the retirement they've earned

¹ Top of the Table (TOT) qualifier. TOT represents the top 1% of MDRT members worldwide.

By submitting your information, you consent to the collection, use, and disclosure of your personal data by The Legacy & Protection Assessment™ and its authorized representatives for the purpose of providing the assessment results, financial advisory services, and related communications, in accordance with the Personal Data Protection Act (PDPA).