Insurance Authority & CPF Insights

I’m Zhe Liang (PZL) – a Fee-Based Financial Adviser and Dad obsessed with clarity. I write and speak on the logic behind money, translating complex CPF and insurance policies into robust retirement frameworks.
My goal: to help you make financial decisions with absolute confidence.
As Seen In:




Crafted for thoughtful readers who appreciate clarity and unbiased information. No spam, just value.
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Understand the CPF Basic Retirement Sum (BRS) for 2026: adequacy and payout analysis, and when to aim FRS or ERS for your retirement needs.
Find out which open electricity market retailer gives you the cheapest electricity rate. Stop overpaying your electricity bill today!
A complete guide to term life insurance for Singaporeans. Learn what it is, how it works, trade-offs to consider, and who it is suitable for.
KrisFlyer UOB awards up to 3 miles per dollar for your spending. With no spending cap, this card is an excellent choice for large purchases.
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Learn how the CPF Matched Retirement Savings Scheme (MRSS) provides government matching grants to boost your retirement savings.
Complete guide to Integrated Shield Plans in Singapore. Learn about coverage, limitations, and how they work with MediShield Life.
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Complete guide to the CPF Matched MediSave Scheme (MMSS). Learn eligibility, benefits, and how to receive up to $5,000 matching grants.
The 2024 MediShield Life Review enhances our national basic health insurance scheme in more than 10 ways. Here is what you need to know.