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A Beginner’s Guide to Indexed Universal Life (IULs)Insure

A Beginner’s Guide to Indexed Universal Life (IULs)

If you've recently heard about Indexed Universal Life (IUL) insurance but aren't sure how it works, this guide is for you. Learn the fundamentals of an IUL, including how interest is credited, how your cash value grows, the role of floor rates, participation rates and cap rates, policy allocations, and the fees and charges you should understand before considering an IUL.

By iFAST Insurance Team | 22 Aug 2026 |5376 Views
InsuranceUniversalLife
Read This Before You Buy an Indexed Universal Life (IUL)Insure

Read This Before You Buy an Indexed Universal Life (IUL)

Not everyone is suited for an IUL. Before committing to a long-term policy, it is important to understand how IULs compare with term life insurance, whole life insurance, and the Buy Term and Invest the Rest (BTIR) strategy. In part 2 of this series, we explore who an IUL may be suitable for, who it may not be suitable for, and the key questions to ask before deciding.

By iFAST Insurance Team | 13 Aug 2026 |4157 Views
UniversalLife
Your Insurance Portfolio, Reimagined: One dashboard.Greater clarity.Insure

Your Insurance Portfolio, Reimagined: One dashboard.Greater clarity.

Your insurance portfolio deserves a smarter dashboard. Explore the newly revamped FSM Global Insurance Holdings page, designed to give you greater visibility over your insurance portfolio. From policy tracking and protection gap analysis to commission rebates and product comparisons, everything you need is now at your fingertips.

By iFAST Insurance Team | 04 Aug 2026 |2578 Views
Insurance
Shield Plans vs Critical Illness Insurance: Which do you need?Insure

Shield Plans vs Critical Illness Insurance: Which do you need?

Many Singaporeans confuse Shield Plans with Critical Illness insurance, but each protects against a different financial risk. Learn how these two coverages work together, when each comes into play, and why having both can provide more comprehensive financial protection during a serious illness.

By iFAST Insurance Team | 22 Jul 2026 |5130 Views
InsuranceCriticalIllness
Will Your Insurer Pay Out? 2026 Guide to Singapore Insurer RatingsInsure

Will Your Insurer Pay Out? 2026 Guide to Singapore Insurer Ratings

If you are unsure about how insurer credit ratings affect you, you are not alone. Already have a policy with a Singapore insurer? Find out what these ratings mean for you, and what to look out for when purchasing insurance coverage.

By iFAST Insurance Team | 07 Jul 2026 |3959 Views
Insurance
[Event Exclusive] Protect More, Save More — Get a *Free Grow-Your-Own-Plant blind box with a quoteInsure

[Event Exclusive] Protect More, Save More — Get a *Free Grow-Your-Own-Plant blind box with a quote

Visit our FSM Insurance booth at the FSM ETFest x Mid-Year Review Event to discover how you can optimise your insurance coverage and receive a complimentary "Grow Your Own Plant" Blind Box! No purchase required. *Terms and conditions apply.

By iFAST Insurance Team | 25 Jun 2026 |5328 Views
Insurance
Is Your Local Health Plan Enough? (A Regional Comparison)Insure

Is Your Local Health Plan Enough? (A Regional Comparison)

If you live overseas, your local health plan or a locally issued international health plan may already be sufficient to cover for your usual healthcare needs. This article explains why a Singapore international health plan.

By iFAST Insurance Team | 17 Jun 2026 |2883 Views
Insurance
Are you paying a "Loyalty Tax" on your Term Life insurance?Insure

Are you paying a "Loyalty Tax" on your Term Life insurance?

Many Singaporeans set up a term life plan once — and never touch it again. Over time, premiums and new products change, so you could be paying more than you need to for the same type of protection. This article shows you how to assess whether you’re overpaying, how to right-size your coverage, and how to potentially save up to 53% a year simply by reviewing your term life plan. Plus, find out how to get up to 45% commission rebates on eligible policies when you insure with FSM Global.

By iFAST Insurance Team | 22 May 2026 |8956 Views
Term
The Best Integrated Shield Plans in Singapore (2026 Update)Insure

The Best Integrated Shield Plans in Singapore (2026 Update)

Comparing Integrated Shield Plans for the April 2026 update? Discover our expert picks for the best private hospital plans based on your budget and needs.

By iFAST Insurance Team | 14 May 2026 |11130 Views
Health
Understanding Last Payer Status: Why You Should Claim from your Shield Plan LastInsure

Understanding Last Payer Status: Why You Should Claim from your Shield Plan Last

Did you know your Integrated Shield Plan (IP) is meant to be the final safety net, not the first payer? Here’s what Last Payer Status means and how hospital bills should be correctly claimed.

By iFAST Insurance Team | 06 May 2026 |3708 Views
Health