Are you adequately protected against life’s uncertainties?
Singaporeans Face a $952 Billion Protection Gap
The latest Protection Gap Study 2022 by the Life Insurance Association Singapore (LIA) revealed that there remains a 21% mortality protection gap and a staggering 74% critical illness (CI) protection gap among economically active individuals in Singapore1.
Life Expectancy is Rising: Singaporeans are living longer, but extended lifespans mean more years of health-related expenses. Have you factored this into your current coverage? Not doing so could erode years of savings and derail even the most carefully laid retirement plans.
Critical Illnesses are Expensive: Did you know that on average, patients struck with a critical illness take around 3 to 5 years to recover and return to being economically productive? This leaves many families under-prepared for long recovery periods and lead to degradation in standard of living.
Peace of Mind for You and Your Loved Ones: Ensuring you are fully protected with life and critical illness insurance isn’t just about safeguarding yourself—it’s about giving your family financial security if the unexpected happens.
According to the Monetary Authority of Singapore’s Basic Financial Planning Guide2, here are the basic rules of thumb for protection that you can consider.
For example, someone with the median monthly income of $5,197 should be covered for death & total permanent disability to the tune of at least $561,276. This person should also be insured against critical illness for at least $249,456.
To help you bridge your protection gap, Financial Alliance has partnered with our insurance partners to offer exclusive insurance bundles designed for young adults like you.
Our comprehensive solutions include both Life Insurance and Critical Illness Protection, offering you the best of both worlds.
For a limited time, these bundles come with attractive discounts, cashback rewards and other perks for customers. Terms and conditions apply.
Schedule a ConsultationFootnotes
[1] Source: Protection Gap Study 2022 by Life Insurance Association of Singapore
[2] Source: Basic Financial Planning Guide by the Monetary Authority of Singapore
Note: Insurance plays an important role in your financial planning, and buying an insurance product is a long-term commitment. You should seek financial advice from your trusted financial adviser representative before purchasing any policies.
Term insurance is life insurance that provides insurance coverage only for a fixed period of time. An example of term insurance is the Dependants' Protection Scheme.
Riders can be attached to enhance the benefits provided by the policy. As this may vary from product to product, check with your insurance company for more details.

Hello! I’m Judy Lang.
Navigating the world of finance can sometimes feel overwhelming, but you don't have to do it alone. For over ten years, I’ve had the privilege of helping individuals and families in Singapore find clarity and confidence in their financial lives.
My approach is simple: I believe financial health is just like physical health—it requires a little care, a good plan, and a supportive coach. That’s why I use the F.I.T. Programme:
Financial Management: We’ll sit down and chat about your dreams—whether it's a comfortable retirement or your children's education—and map out a stress-free path to get there.
Insurance Planning: Life is unpredictable, but your peace of mind shouldn't be. I help ensure you and your loved ones are protected against life’s "what-ifs."
Transfer of Wealth: It’s never too early to care for the people you love. We will organize your legacy so your assets are distributed exactly as you wish.
Think of me not just as an advisor, but as a partner who checks in regularly to make sure you’re staying "F.I.T." and happy with your progress.
Ready to chat? Drop me a message. I’d love to hear your story and explore how we can turn your goals into reality.
Telegram: @JudyLang
🌍 Global Health Insurance for Individuals 💼
I specialize in helping expats, inpats, and globally mobile individuals and their families secure private medical insurance as they relocate to Singapore for work or business. Moving to a new country can be overwhelming, with so much to manage, from housing to settling into a new job. One essential piece of the puzzle is having proper health insurance coverage—because without it, unexpected medical expenses can quickly become a financial burden.
💡 Complex Health Insurance Planning and Application
Health needs evolve over time, and sometimes, pre-existing medical conditions can make securing the right coverage difficult. With my expertise in Global Medical Health Insurance, I’ve helped many clients with specific health challenges navigate these complexities and successfully obtain coverage. My goal is to provide peace of mind by ensuring you are protected, no matter what health issues arise.
💼 Managing Your Personal Financial Portfolio
While wealth-building is important, protecting your financial baseline through proper insurance is essential. Every family and individual has unique needs, and I’m here to help you evaluate whether you’re adequately protected. With access to a wide range of services and platforms, I can help you find the wealth-building path that works for you. Let's work together to ensure both your health and financial goals are secure.
An in-depth insurance portfolio review with Judy Lang could save you money as you spend less for the same coverage, or allow you to be better protected without spending a cent more.