PZL Blog | Singapore
Insurance Authority & CPF Insights
I replace sales pitches with mathematical certainty.
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:
Get exclusive insights on insurance and finance in your inbox!
Crafted for thoughtful readers who appreciate clarity and unbiased information. No spam, just value.
What is Critical Illness Insurance Singapore
Critical illness insurance is regarded as one of the most important types of coverage to have. Find out why and how it works in Singapore.
Life Insurance Association Singapore (LIA) Critical Illness Framework 2020
Understand the Life Insurance Association Singapore (LIA) Critical Illness framework and how it affects your insurance coverage.
Smoothing of Bonuses Singapore
Understand what is smoothing of bonuses in a participating policy and how it creates stability in your insurance policy’s returns over time.
What is Trust Nomination Insurance Form 1 Singapore
You lose all rights to the ownership of the policy when you make a Trust Nomination. However, is this a bad decision? Find out now.
Critical Illness Definition Changes Singapore: Clarity comes with a Cost!
In addition to stricter guidelines for the top causes of deaths, find out how the rest of the Critical Illness definition changes affect you.
Reversionary Bonus and Terminal Bonus Singapore
Learn more about reversionary bonus and terminal bonus to understand how it affects your participating policy’s cash value in due time.
What is Distribution Cost in Insurance
Find out what is distribution cost in insurance and how it affects the insurance premium that you pay for your insurance policy.
What is a Participating Fund Singapore
Many insurance policies invest the policyholder’s premium via a participating fund. Find out what is a participating fund and its risk.