Are investment-linked plans really balancing protection and wealth growth?

Hosted by Michelle Martin.

ILPs now make up 43% of new life insurance sales, but complaints have surged alongside.

Regulators are considering classifying them as complex products by December 2025.

Christopher Tan, CEO of Providend, joins Michelle to unpack how ILPs have evolved with bonuses and fund choices.

Are costs still a dealbreaker despite fat bonus sweeteners?

And should investors keep insurance and investments separate?

Are investment-linked plans really balancing protection and wealth growth?
Hosted by Michelle Martin.
ILPs now make up 43% of new life insurance sales, but complaints have surged alongside.
Regulators are considering classifying them as complex products by December 2025.
Christopher Tan, CEO of Providend, joins Michelle to unpack how ILPs have evolved with bonuses and fund choices.
Are costs still a dealbreaker despite fat bonus sweeteners?
And should investors keep insurance and investments separate?

Your Money With Michelle Martin (9am - 12pm) It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

Your Money With Michelle Martin (9am - 12pm) It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,  manage your expenses and start your smart money investment journey today. 

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,&nbsp; manage your expenses and start your smart money investment journey today.&nbsp;

Money and Me

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.

In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore&rsquo;s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.
In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station.

MONEY FM 89.3

How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin (9am - 12pm)

Money and Me: The ILP Debate – Promise or Pitfall?

Even after life-saving surgery, a critical illness claim can be denied. What are you covered for and why?

We explore how definitions influence payouts and highlight what consumers seeking "best" or "comprehensive" coverage need to know.

With Elijah Lee of Phillip Securities, we unpack what every policyholder must understand about fine print, exclusions, and evolving medicine.

From comparing insurers to what you can discuss today with your insurance advisor, we ask: are you truly protected—or just conditionally covered?

Practical insights to help you avoid costly surprises - hosted by Michelle Martin.

Even after life-saving surgery, a critical illness claim can be denied. What are you covered for and why?
We explore how definitions influence payouts and highlight what consumers seeking "best" or "comprehensive" coverage need to know.
With Elijah Lee of Phillip Securities, we unpack what every policyholder must understand about fine print, exclusions, and evolving medicine.
From comparing insurers to what you can discuss today with your insurance advisor, we ask: are you truly protected&mdash;or just conditionally covered?
Practical insights to help you avoid costly surprises - hosted by Michelle Martin.

Money and Me: Are you insured for a specific illness or how a policy defines an illness and its treatment?

Breached ceasefire?

As accusations of peace breaches continue to volley, opportunistic buying continues and oil has rebounded.

We unpack the market whiplash as Brent crude plunges then spikes, and what it signals about geopolitical risk.

In corporate news, leadership drama at Paramount Skydance raises fresh questions over its US$81B Warner Bros. Discovery bid.

Meta rolls out a new AI model, Grab doubles down on AI-led growth, while Delta and Constellation Brands signal consumer and cost pressures.

Closer to home, the STI climbs with SATS and Hongkong Land leading gains, even as DFI Retail lags.

From oil to AI to media consolidation - what’s noise and what’s signal? 

Hosted by Michelle Martin with Ryan Huang.

Breached ceasefire?
As accusations of peace breaches continue to volley, opportunistic buying continues and oil has rebounded.
We unpack the market whiplash as Brent crude plunges then spikes, and what it signals about geopolitical risk.
In corporate news, leadership drama at Paramount Skydance raises fresh questions over its US$81B Warner Bros. Discovery bid.
Meta rolls out a new AI model, Grab doubles down on AI-led growth, while Delta and Constellation Brands signal consumer and cost pressures.
Closer to home, the STI climbs with SATS and Hongkong Land leading gains, even as DFI Retail lags.
From oil to AI to media consolidation - what&rsquo;s noise and what&rsquo;s signal?&nbsp;
Hosted by Michelle Martin with Ryan Huang.

Market View: Oil whipsaws on peace hopes,  AI Moves - Meta, Grab, Delta in Focus

The Straits of Hormuz is set to reopen for two week. What does that mean for  markets? 

A fragile US-Iran ceasefire reopens the Strait of Hormuz, sending oil prices sharply lower and easing global supply fears.

Singapore rolls out a S$1 billion support package to cushion households and businesses from energy-driven inflation shocks.

Meanwhile, investors are already positioning for what could be history’s biggest IPO - SpaceX - fueling inflows into niche space ETFs.

In corporate action, AWS scrambles to maintain resilience, Levi Strauss leans into direct-to-consumer growth, Universal Music attracts takeover interest, and OCBC doubles down on sustainability financing.

Markets digest volatility and opportunity - hosted by Michelle Martin with Ryan Huang.

The Straits of Hormuz is set to reopen for two week. What does that mean for&nbsp; markets?&nbsp;
A fragile US-Iran ceasefire reopens the Strait of Hormuz, sending oil prices sharply lower and easing global supply fears.
Singapore rolls out a S$1 billion support package to cushion households and businesses from energy-driven inflation shocks.
Meanwhile, investors are already positioning for what could be history&rsquo;s biggest IPO - SpaceX - fueling inflows into niche space ETFs.
In corporate action, AWS scrambles to maintain resilience, Levi Strauss leans into direct-to-consumer growth, Universal Music attracts takeover interest, and OCBC doubles down on sustainability financing.
Markets digest volatility and opportunity - hosted by Michelle Martin with Ryan Huang.

Money and Me: The ILP Debate – Promise or Pitfall?

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