Insurance Portfolio Score Singapore
Create a simple overview of your current insurance portfolio. Understand your protection level, identify possible gaps, and generate structured summaries from your policies.
What is the Insurance Portfolio Score?
The Hingfluence 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.
- Who this is for
- Working adults, parents, business owners and pre-retirees in Singapore who already hold one or more policies and want a structured view of what they have before speaking to any adviser.
- How it works
- 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 from today to age 99 with clear charts and short explanations.
- What the score means
- A higher score suggests your declared coverage aligns with the referenced public benchmarks. A lower score flags potential gaps worth reviewing. The score is a directional, educational indicator rather than a prediction of any future claim.
- Limitations
- Results depend on the information you provide. Public benchmarks are general and do not factor in every personal circumstance. Hingfluence is not a MAS-licensed financial adviser and does not recommend specific insurance products.
- Coverage areas reviewed
- Life and Total Permanent Disability, Critical Illness including Early CI, Hospitalisation including Integrated Shield Plan and ward type, Personal Accident, Disability Income, Long-term care via CareShield Life, and Retirement readiness via CPF LIFE references.
- Next step
- Use the free overview to understand your portfolio. If you want personalised advice, speak with a licensed financial advisory representative under the MAS regulatory framework. Hingfluence does not pass your contact details to insurance agents.
Public benchmarks referenced
Hingfluence references the following public Singapore guidance when computing your educational score. Use the source page to verify the original references.
Important disclaimer
This tool provides a general educational estimate based on user-provided information and public financial planning benchmarks. It does not constitute financial advice, product recommendation, or confirmation of suitability. Please speak with a licensed financial adviser representative before making any insurance decision.
Your insurance portfolio score
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.
Life coverage
Death and total permanent disability protection for the people who depend on your income.
Critical illness
Lump-sum support if a major illness such as late-stage cancer is diagnosed.
Early critical illness
Earlier-stage cover that can help during diagnosis and recovery, before a condition becomes severe.
Hospitalisation
Integrated Shield Plan and ward type, reviewed against your preferred class of hospital care.
Personal accident
Cover for injury, disability or expenses arising from accidents.
Disability income
Monthly income replacement if illness or injury stops you from working.
Long-term care
CareShield Life and any private supplement for severe disability and daily care needs.
Retirement income
Projected retirement income, including CPF LIFE references, against your desired lifestyle.
Premium affordability
Whether total premiums sit within a sustainable share of your take-home pay.
Turn your policies into a clear summary
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.
Fields the summary can generate
Auto-read- Insurer name
- Policy name
- Policy type
- Policy owner
- Life assured
- Sum assured
- Critical illness benefits
- Early critical illness benefits
- Hospital plan details
- Riders
- Premium amount
- Premium frequency
- Policy start date
- Coverage end age
- Cash value if detected
- Maturity benefit if detected
- Important exclusions if detected
Some important policy details may be missing
Some important policy details may be missing. Please upload additional pages or verify with your insurer before relying on this summary.
See possible gaps and overlaps
The analysis compares your current coverage against an estimated need, then highlights a possible shortfall or excess. Figures below are an illustrative sample based on public benchmarks.
Coverage from today to age 100
A calm dashboard, not a spreadsheet.
Every chart, score, and explanation is written for humans. No policy codes. No fine print. Just clarity.
Your full coverage timeline
Five coverage lines, mapped from today to age 100. Each policy ends at a different age, exposing gaps worth reviewing.
Sample score only. Real results depend on user-provided information and benchmark references.
This tool provides a general educational estimate based on user-provided information and public financial planning benchmarks. It does not constitute financial advice, product recommendation, or confirmation of suitability. Please speak with a licensed financial adviser representative before making any insurance decision.
View Sources & MethodologySource labels: Official benchmark, Public scheme reference, Internal educational assumption.
Hospital plan covers private wing
Your hospitalisation choice gives you broad access to private hospitals island-wide.
Critical Illness may expire at 65
Your CI rider ends before typical CI age window. A possible future gap.
Potential overlap detected
Two policies appear to cover similar early CI benefits. Worth a closer look.
We sell clarity,
not policies.
Every choice in this product, from the colors to the wording, is designed to keep you in control. We win when you understand, not when you buy.
No agent will call you
We are not a brokerage. Talking to a human is always optional, never the default.
Your data stays yours
Bank-level encryption. You can delete everything anytime, including uploaded policies.
References public guidance
Our logic references public MAS, MoneySense, LIA and CPF guidance, and is transparent about every assumption. We are not endorsed by them.
Calm, not pushy
No fear marketing. No urgency timers. Just a quiet space to understand what you have.
Quiet answers, no jargon.
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.
See your protection. In five minutes.
No phone calls. No commitments. Just a calm answer to a question that has been quietly bothering you.