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

Advisory Services - Life/General Insurance, Investments, RISKS

Financial Advisory

Investment Advisory

Investment Advisory

Without adequate protection, you will be vulnerable to the nasty effects of a chance misfortune which will cause you to suffer unnecessary and possibly tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure your lifestyle remains unaffected as much as possible thereafter. 


Individuals:  Dedicated to protecting and growing the wealth of our clients, we offer financial consulting services that fit perfectly with your financial needs and wants, regardless of your background and phase in life. 


Business:  Starting a business is difficult, but keeping it afloat is even more difficult. Lightening your burden, we assist businesses retain valuable employees, survive a business partner’s death, and protect a business against commercial and non-commercial threats.


We specialize in the following areas:

  • Life Insurance ( Wholelife / Term Life )
  • Enhanced Critical Illness ( early / intermediate / advanced stage )
  • Endowments
  • Annuities 
  • Retirement
  • Universal Life
  • Variable Universal Life
  • Privately Placed Life Insurance


Other areas of interest includes:

  • CPF Life ( Retirement: Annuity )
  • SRS



Our Business Partners

Investment Advisory

Investment Advisory

Investment Advisory

We offer various private wealth advisory and consulting services to high net worth individuals. In the area of wealth distribution, we work with several world class financial institutions to provide discreet trust solutions in estate planning. In addition, we include creating tailor-made financial protection plans to your specifications by working with insurance companies specialised in these areas.


To maximise returns on your assets, we empower you to benefit from a customised investment programme by matching your risk and return objectives to the best-of- breed investment products in the market.


By adopting an open architectural platform, we are able to work with the best Fund Management firms and other Alternative Investments providers. Our independent, objective and robust financial advisory process, coupled with our wide range of products, makes us the partner of choice in providing private wealth advisory services.

General Insurance

Investment Advisory

General Insurance

We specialise in business insurance broking, advisory and consulting services.  

  • Assess, Analyse, Transfer and Manage the exposure/risks.
  • Design and Develop a portfolio of insurance contracts relevant to your needs.
  • Review and Recommend appropriate solutions.
  • Assist clients in claims settlement.


We specialize in the following areas:

  • Casualty: Work Injury Compensation ( Workplace Safety ), Comprehensive General Liability / Public Liability, Medical Malpractice
  • Financial Lines: Directors' &Officers', Danger Risks ( Kidnap & Ransom ), Product Liability, Professional Indemnity, Cyber Insurance, Drone Insurance
  • Marine: Marine Cargo, Freight Forwarders Liability, Contractor's Equipment, Marine Liability, Professional Liability
  • Property: Residential / Commercial Property ( Named Perils / All Risks ), Fine Art & Jewellery, Energy & Engineering Risk
  • Group: Employee Benefits, Term Life, Personal Accident, Travel
  • SME: Packaged policies for all industries
  • Surety: Contract / Performance Bonds
  • Trade Credit: Corporate Trade Credit / Factoring
  • Claims: Commercial Claims Service


Medical Insurance

Specialty Insurance Practice

General Insurance

International Medical Insurance is an international medical plan designed for Individuals / Family or Groups / Companies that may be customised with the following options:

  • Worldwide ( with / without USA ) or Domestic 
  • Inpatient / Outpatient / Dental / Optical / Wellness Treatment, Medicines
  • Emergency Assistance i.e. Evacuation / Repatriation
  • With / Without Annual Deductibles
  • Full Medical Underwriting / Medical History Disregarded / Moratorium Underwriting
  • Group Term Life ( Death / Total Permanent Disability )
  • Group Critical Illness
  • Group Personal Accident
  • Group Disability Income
  • Group Travel


Preferred Partners:

  • AIA
  • AIG
  • Aetna
  • April ( Liberty )
  • Aviva
  • Axa
  • Bupa International ( Worldwide Health Options; LifeLine; International Health & Hospital Plan )
  • Cigna
  • Henner ( Tokio Marine )
  • MSIG
  • NOW Health ( Sompo )
  • NTUC
  • Safe Meridien ( Qbe )


Other areas of interest include:

  • Integrated Shield plans
  • ElderShield / CareShield Life

Platinum Solutions

Specialty Insurance Practice

Specialty Insurance Practice

A curated collection for High Net Worth individuals / families of legacy, wealth, global medical, and lifestyle solutions:

  • Universal Life ( includes Variable UL )
  • Privately Placed Life Insurance
  • International Medical Insurance
  • Fine Art & Jewellery Insurance ( private collections )
  • Kidnap & Ransom Insurance ( Maximum limit of Indemnity US$30m )
  • Luxury Yachts / Automobiles
  • Luxury Homes Insurance
  • Luxury Personal Accident ( Maimum limit US$2.5m )

Specialty Insurance Practice

Specialty Insurance Practice

Specialty Insurance Practice

Specialty insurance is a class of general insurance where the more difficult and unusual risks are written. Because specialty lines insureds tend to be more unusual or higher risk, much of the specialty lines insurance is characterized by a high degree of specialization. Insurers (“markets”) participating in this market have specialized expertise and experience in underwriting and rating insurance for a wide range of risks. These insurers  work with intermediaries who are experienced in specialty lines insurance. 


Areas of Focus

  • Crisis Management
  • Employer's Liability
  • Comprehensive General Liability
  • Professional Management Liability
  • Cyber Risks



Radiation Protection Practice

Ensuring Safe Radiation Practices through Sound Insurance Protection

Illumine Advisory fully supports the mission & objectives advocated by the Radiation Association of Singapore ( RAD ),  the Singapore Government’s primary authority on radiation protection practics. The establishment of RAD in 2019 is in conjunction with the legislation of the Radiation Protection Act by the National Environment Agency ( a government agency under the Ministry of Environment and Water Resources ). Through our Radiation Protection Practice set-up in 2019, we will closely cooperate with RAD to ensure that both the community and the environment are protected against the harmful effects of radiation through understanding risks, best practices, research, policy, services, partnerships and engaging with industry and the community. To that end Illumine Advisory will implement sound and wholistic insurance practices; promoting awareness; and through training & certification.


Key Considerations with regard to the Radiation Protection Act:

  • Import & Export Regulations
  • Certifications & Licensing
  • Occupational Health & Safety
  • Waste Disposal & Transportation
  • Site Inspections & NEA audits
  • Enforcement & Exemptions


Whilst RAD will be focussing on Radiation Practices such as:

  • Monitoring
  • Testing & Calibration
  • Training
  • Intermediate between the National Environment Agency and business community on regulatory and implementation of safe & compliant practices


Illumine Advisory will apply our insurance expertise to support RAD in all Radiation related risks across all industry / business segments through:

  • All Risks insurance
  • Occupational & Workplace Safety
  • Comprehensive General Liability Insurance
  •  Speciality Lines i.e highly complex cases

Contact us today. We are independent and we can help.

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Illumine Advisory

150 Beach Road #12-01/08, Singapore 189720

Telelphone: +65 65081889 Mobile: +65 94455171 ( Randall Choo ) +65 98283286 ( Raymund Ng ) Email: enquiry@illumineadvisory.com Skype: randallchoo@faplsgp.onmicrosoft.com Whatsapp: +65 94455171 WeChat: wxid

Hours

Monday - Friday: 8am - 6pm

Saturday - Sunday: By appointment



Copyright © 2019 Illumine Advisory - All Rights Reserved.

Financial Alliance ( www.fa.com.sg )

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