Financial Alliance · The Complete Protection Review

The Complete Protection Review

What if you couldn't work tomorrow - but you're still here?
What if the diagnosis came at 36, not 63?
What if your income stopped, but the mortgage didn't?

These aren’t hypothetical questions for someone else. They’re questions Singapore’s own health data says you should be asking yourself — especially if you’re in your 30s or 40s.

32 years old

The youngest long-term care claimant — just one year after becoming eligible

1 in 4

Singapore residents at risk of developing cancer by age 75

S$420,000+

Estimated cost gap over 10 years if severely disabled

What if you're unable to work, but expenses are climbing?

National long-term care schemes pay S$662/month, while actual care costs average S$2,952/month. That’s a shortfall of roughly S$2,290 every month, for an average of 10 years. And this isn’t just an elderly risk: Singlife’s youngest claimant was just 32 years old.

What if you're diagnosed with a serious illness?

50 people are diagnosed with cancer every day in Singapore. The good news: 2 in 3 now survive at least five years. The catch: surviving means years of treatment and reduced income. Medical insurance pays the hospital. It doesn’t pay your mortgage or your salary.

What happens to your family if you're gone?

26.2% of all deaths in Singapore are from cancer alone — and incidence is rising fastest among people with young families and mortgages: exactly the group least likely to think it applies to them.

Protection Gap Calculator

Let's find your protection gap

Three quick sections, about 90 seconds. Nothing you enter is saved or sent anywhere — the numbers stay in your browser.

Used to project your income protection shortfall through to age 65.

If you couldn't work — but you're still here

CareShield Life pays S$689/month in 2026. Actual care averages S$2,952/month.

If your family had to carry on without you

Income replacement plus any outstanding debts, less what you already have covered.

If you were diagnosed with a serious illness

Medical insurance pays the hospital. This estimates what covers your income during treatment and recovery.

Your estimated protection gap

These numbers are indicative, not exact — a starting point for a real conversation, not a quote.

Income protection shortfall (projected to age 65) The monthly shortfall is the average cost of long-term care (S$2,952/month, Singlife Long-Term Care White Paper 2025) less the CareShield Life payout (S$689/month in 2026, CPF Board) and any private supplement. Projected to age 65 as an illustration, not a personalised care-needs assessment. S$0
Family protection gap (if you were gone) The 9× annual income multiple follows the general rule of thumb for death and total and permanent disability cover in the MAS/LIA Basic Financial Planning Guide. A rule of thumb, not a personalised calculation of your family's actual needs. S$0
Critical illness income gap The 4× annual income multiple follows the general rule of thumb for critical illness cover in the MAS/LIA Basic Financial Planning Guide. A rule of thumb, not a personalised calculation. S$0
Your Total Protection Gap
S$0
Talk to a consultant about closing this gap
Estimates only, based on national averages and published rules of thumb (CPF Board CareShield Life, MAS/LIA Basic Financial Planning Guide, Ministry of Health, Singapore Cancer Society, Singlife Long-Term Care White Paper 2025) and the details you entered. Not financial advice. No information entered here is saved, stored or transmitted.
Start over

When care falls on the ones you love

We rarely talk about what severe disability or a serious diagnosis actually looks like for a family — not for the person affected, but for the spouse, the son or daughter, the sibling who quietly rearranges their entire life around someone else’s needs.
“I didn’t know how to physically take care of someone… For 14 years, my life revolved around my mother’s needs.”
— A caregiver, caring for her mother from her early 20s

76%

of those with long-term care needs rely on a single family caregiver

33 hrs/week

average time spent caregiving — a full-time job on top of everything else

44%

of caregivers to loved ones with dementia struggle with their own emotional wellbeing

Find out where you stand

Independent advice, no obligation — just clarity on your own protection gap.
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Financial Alliance Pte Ltd· Navigating Your Financial Future

This material is for general information only and does not constitute financial advice. Statistics cited from: National Registry of Diseases Office, Singapore Cancer Registry Annual Report 2023 (released Jan 2026), as presented by Singapore Cancer Society (Feb 2026); Ministry of Health; Singlife, Long-Term Care: From Awareness to Action white paper (2025). Please seek advice tailored to your circumstances.