Illumine Advisory
Illumine Advisory
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    • Home
    • Approach
    • Our Services
    • Trends & Insights
    • Investment Landscape
    • Trusts & Estate Planning
    • Contact Us
    • Terms of Use
  • Home
  • Approach
  • Our Services
  • Trends & Insights
  • Investment Landscape
  • Trusts & Estate Planning
  • Contact Us
  • Terms of Use

We take your needs seriously

Our Mindset

Testimonials

Testimonials

Everyone needs to do the right thing by taking the necessary steps to ensure that their business & accumulated wealth is not exposed to unnecessary risks. Risk Management is defined as the process for making and carrying out decisions that will minimize adverse effects of an individual's / family's / business loss exposure. It is about analyzing and then acting appropriately on risk. The risk management process generally involves ...

  • identifying & analyzing loss exposures
  • selecting appropriate & relevant risk management techniques
  • implementing the chosen risk management strategy
  • monitoring & measuring the risk management program for effectiveness & adapting to further changes

Implementing a thorough risk management plan brings immediate to long term benefits because:

  • it enables you to identify risks & understand the ramifications
  • optimize claims outcomes
  • optimize premiums & other costs considerations

To that end, the risk management checklist are namely as follows:

* Health Risks
* Property Risks
* Investment Risks
* Valuables & Collectibles Risks
* Personal & Family Security / Control & Danger risks
* Business & Personal Liability

Above all, we pride ourselves on our service levels. Beyond implementation, our client servicing includes providing you with online 24-hour access to your policies ( i.e. individual / family or group / company ), claims tracking, request submission re: pre-authorisation or medical referrals & appointments.


As independent and experienced risk advisors / brokers, we represent our clients' interests & needs .... not the insurer's. We're not insurance agents.

Testimonials

Testimonials

Testimonials

I have known Randall for a few years now as my professional insurance and financial advisor, and a personal friend. He is someone whom I can trust fully to plan my insurance policies because of his professional work ethics, providing me with the best customised plan. 

He is also very helpful in attending to our needs and claims, and his sincerity and dedication to his work are beyond words.


Dr Lee Jong Jian,  Opthalmologist

Raffles Medical Group

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My group and I have been working with Randall as our Singapore Insurance Broker since 2015. He is a professional and very knowledgeable specialist with whom I seek with regards to any insurance requirements our group may have. Randall is also the risk management adviser I will consult to assess my personal requirements. He is a pleasant and attentive person, who has a vast network and who will seek the best business or personal solution within the shortest delay. I highly recommend Randall to anybody requiring a Risk Management assessment; business professional or personal. 


 John Andrew Sydness

 Executive Director

 Marina Bay Holdings Group

______________________________________________

Randall has been our advisor for group financial planning since 2017.  We have received great support from him, and his contribution and service have been very helpful to our business.  He is professional and well versed in local financial products. I highly recommend him for

group health insurance, liability insurance, casualty, as well as personal long term financial planning.

 

Vincent Tan,  Managing Director

Super Marine Holdings

______________________________________________

I have received Randall's professional advice since 2012 and bought my first Bupa plan for the family. Randall is attentive and will provide valuable risk management planning and advice. He had given me and my family peace of mind, and we know he is very reliable. He will only recommend a solution when it meets our needs.


Winnier Ngoh, Senior Director

DBS Bank

______________________________________________

Randall has been providing all my medical insurance needs for the family, and he keeps me up to date with new policy and changes every time something new comes up.  He has your interest in mind and makes recommendation that save you time, money and maximize your benefit.  He knows every detail in the business and if there is something he is not sure he will always verify it and get back to me with a confirmation.  He provides client service that others should emulate. If you have any insurance needs do not hesitate to get hold of him.


Arleen Amidjaja, Director

PT Topindo Atlas Asia

______________________________________________

Randall Choo has been my health insurance broker for approximately x years. The personal attention given by Randall is second none. What sets him apart from other insurance broker is his vast insurance knowledge, excellent customer service skills and quick response time. He always provide options that suit our current needs at competitive price. I strongly recommend his service to anyone seeking guidance in today's fast changing health insurance environment.


Fransisca Kusuma

Entrepreneur Extraordinaire

______________________________________________

Randall is an immaculate professional with an overachieving sense of  "customer service". Always one step ahead of the needs and requests of clients. You just know ( and I have experienced ) that he will not only go the extra mile, but do it ahead of time, without being asked and get you more than you would have asked for.  


Edmund Tan, ASEAN Director

KoreConX

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Randall is professional, knowledgeable, and meticulous in the domains of general and life insurance. He is tactful and able to deliver relevant financial advice without being pushy or salesy. He genuinely cares for the financial and health wellbeing of the clients he services. That is why he is our family advisor of choice.


Vladimir Barzov, Founder

Barzov Technologies

______________________________________________

Randall was instrumental in setting up Personal Lines in Jardine Lloyd Thompson. He is a hardworker and a helpful co-worker who does not mind going out of his way to help others. He is also very respectful and always make every effort to ensure regulatory compliance for his department. 


Rick Hunter, Compliance Director

Jardine Lloyd Thomson Pte Ltd

Find out more

Financial and Investment Planning - Our 5 Pillars of Wealth

  • Wealth Protection: Without adequate protection, you are vulnerable to the effects of  misfortune which can cause you to suffer unnecessary and potentially tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure your lifestyle remains unaffected as much as possible.


  • Wealth Maintenance: To maintain your wealth, we will aid in analysing your general financial health indicators such as cash flow and debt position. A net positive cash flow with no over-committed liabilities is considered healthy. Our financial and investment planning services will guide you in effectively managing your cash flow and suggest ways to reduce or avoid unnecessary borrowing. 


  •  Wealth Accumulation: Accumulating wealth, especially from an early age, drives you towards meeting your long-term financial objectives. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. Take advantage of our financial consulting services to help you develop a realistic and achievable programme to meet these needs. 


  • Wealth Enhancement: By helping to Diversify your financial portfolio as part of risk management, we include investments which could help to maximise the growth potential of your assets. When you engage our financial advisory services, you will be guided to develop an investment programme that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment returns, thereby fulfilling your long-term financial dreams. 


  • Wealth Distribution: Regardless of the value of the assets you have, you are entitled to distribute your estate according to your wishes. We will help you by writing them down on properly drafted and executed documents to ensure that your rights are protected. Our services are designed to help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes. 


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