AIA Ultimate Critical Cover (UCC)
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Footnotes
1. The current coverage amount will be reset to 100% of the coverage amount if the UCC policy is in force 12 months after the last critical illness claim.
2. Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount. Maximum claim limit of 500% of coverage amount applies to early and intermediate stage of critical illnesses.
3. Applicable for early and intermediate stage critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.
4. The UCC policy will terminate after the death benefit or accidental death benefit is paid out.
5. Two-year waiting period applies. We will only admit a claim for Ultimate Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
6. This benefit is payable once and terminates thereafter.
Ensure you have the the ultimate critical illness protection needed for confidence and peace of mind. Act now to safeguard the future for you and your loved ones.
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Shaun is a Associate Director with more than a decade of experience in the financial advisory industry. He believes financial planning is ultimately about people - their families, responsibilities, aspirations, worries, and the future they hope to build.
His work is centred on helping clients make sense of the many moving parts in their financial lives. Rather than looking at protection, investments, retirement, cashflow, estate planning, and legacy as separate conversations, Shaun helps clients bring them together into one clearer and more purposeful plan.
He works with professionals, business owners, affluent families, and clients with more complex planning needs. Many of them are not simply looking for another product recommendation - they are looking for a trusted adviser who can think with them, challenge them when needed, and help them make better long-term decisions.
This next chapter allows Shaun to better support clients through a wider range of planning and investment solutions, including more bespoke and exclusive investment strategies where suitable. For Shaun, the move is ultimately about building a stronger advisory platform around clients’ evolving needs.
Before entering financial advisory, Shaun spent time in both the public and corporate sectors, including healthcare-related work with the Ministry of Health and account management with Roche Diagnostics. This gave him a strong appreciation for healthcare financing, long-term planning, and building relationships based on trust. He graduated with First Class Honours from the National University of Singapore and was the Valedictorian of his Life Sciences cohort.
While he is grateful for the recognitions he has received over the years, Shaun believes the real measure of good advisory work is the trust clients place in him, and the confidence they gain from knowing their financial life is being planned with care, structure, and purpose.
His guiding belief is simple: financial planning is a profession about people, for people.
Shaun’s advisory work focuses on helping clients build a more complete and coherent financial plan across different life stages.
His key areas of focus include:
Holistic Financial Planning
Connecting protection, investments, retirement, cashflow, estate planning, and legacy planning into one integrated strategy.
Wealth and Investment Advisory
Helping clients structure portfolios with discipline, clarity, and alignment to their goals, time horizon, risk profile, and cashflow needs.
Risk Management and Wealth Protection
Reviewing health, life, income, and family protection needs to ensure clients are better prepared for unexpected events.
Retirement and Cashflow Planning
Helping clients plan for sustainable retirement income, lifestyle funding, financial independence, and long-term wealth continuity.
Estate and Legacy Planning
Helping families think through wealth transfer, beneficiary planning, liquidity needs, and intergenerational continuity.
Advisory for Professionals, Business Owners and Affluent Families
Supporting clients with more complex planning needs, including concentrated wealth, family responsibilities, business interests, and multi-goal financial priorities.
Shaun has received multiple Top 10 Adviser awards and has achieved industry milestones including MDRT® Top of the Table (TOT) and MDRT® Court of the Table (COT).
He is also a multiple award recipient at the iFAST Global Wealth Adviser Symposium Top Qualifying Advisers Awards across 2022, 2023, 2024, and 2025, reflecting his continued focus on investment advisory and long-term wealth management.
Shaun is a Certified Wealth Management Advisor (CWMA) and an Associate Estate Planning Practitioner (AEPP).
He graduated with First Class Honours from the National University of Singapore and was the Valedictorian of his Life Sciences cohort. He was also a four-time Dean’s List recipient and received academic awards including the NUS Outstanding Undergraduate Researcher Prize and the NUS Runme Shaw Medal and Prize.
By definition, a FA firm is one that sells the products from more than one insurer or business partner.
However, you should consider whether the FA firm can ensure that financial advice given is free from the undue financial influence.
Ever since our founding more than two decades ago, Financial Alliance is committed to offer impartial and client-centric financial advice.
We have your best interest at heart and will leave you to make your decision.
If suitable and impartial financial advice is what you seek, then you should only engage a trusted FA firm.
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