Protection & Wealth
Comprehensive insurance and wealth protection solutions tailored for expatriates. Whether you're living in Singapore or overseas, we help you secure your family's future with products from the world's leading insurers.
Understanding the Basics
The concept of insurance dates back thousands of years to ancient civilizations. Merchants in Babylon, China, and the Mediterranean developed early forms of risk-sharing to protect against losses from trade expeditions and natural disasters. The modern insurance industry began in the coffee houses of 17th-century London, evolving into a sophisticated financial instrument protecting individuals, families, and businesses worldwide.
Risk management is the process of identifying, assessing, and prioritizing risks followed by coordinated efforts to minimize, monitor, and control the probability or impact of unfortunate events.
Understanding how insurance protects you
The fundamental principle of insurance is risk pooling. Policyholders contribute premiums into a shared pool, which is then used to compensate those who experience an insured event. This collective approach spreads financial risk among many individuals, making it more affordable and sustainable.
Insurance works on the principle of risk transfer, which involves shifting potential financial losses from one party to another. Individuals transfer risk to insurance companies by paying premiums, ensuring that no single person bears the full financial impact of unforeseen events.
What We Offer
There are over 20 types of insurance, but most of us are already familiar with the common ones. Building the right portfolio means understanding which types are essential for your stage of life and tailoring your coverage to match your needs and goals.
Medical & hospitalisation
Death & disability
Vehicles & drivers
Trips & emergencies
Property & belongings
Why It Matters for Expats
As an expat in Singapore, you've taken a bold step to build a life abroad. But without the local safety nets that citizens enjoy, you are your own safety net. The good news? Singapore offers world-class insurance options that can protect you and your family, no matter where life takes you next. Taking action now, while you're healthy, gives you the best rates and fullest coverage. It's not about fear. It's about taking control of your future.
Insurance premiums are calculated based on age and health status at the time of application. Securing coverage early locks in lower rates for the lifetime of your policy, potentially saving you tens of thousands of dollars over the years.
Health conditions that develop later in life can result in exclusions, higher premiums, or outright rejection. By applying while healthy, you ensure comprehensive coverage without limitations that could leave you vulnerable when you need protection most.
As an expat, your family may be far from their support network. Insurance provides the financial security they need if something happens to you, covering everything from daily expenses to education costs and repatriation.
Unlike Singaporeans and PRs, expats don't contribute to CPF and don't have access to MediShield Life or other government schemes. Personal insurance is your only safety net, making it even more critical to build comprehensive coverage.
Many Singapore-based policies offer worldwide coverage and remain valid even if you relocate. This portability is invaluable for expats whose careers may take them to different countries over time.
Singapore has no capital gains tax, and insurance payouts are generally tax-free. This makes insurance-based savings and investment products particularly attractive for building and transferring wealth efficiently.
Who We Serve
If you're an expatriate currently residing in Singapore, we can help you access comprehensive insurance solutions regardless of your nationality or visa status.
For clients residing overseas who wish to access Singapore's robust financial products. Connect with us directly and we'll serve you remotely with personalised solutions.
Eligible Regions:
China • Malaysia • Indonesia • Taiwan • Thailand • Hong Kong • Macau • Philippines • Australia • Brunei • New Zealand • Vietnam • UAE • Dubai
Our Partners
We have gathered industry-leading financial products and investment service providers under one roof, to give you a comprehensive and clear advantage in your financial planning needs.
At ThriveInSingapore, we are your trusted partner for comprehensive financial solutions, offering all your insurance needs under one roof. Through our wide network of established insurance partners, you gain access to a full suite of products and services tailored to protect every stage of your life.