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最近很多人在说 Rider 保费要下降了 听起来是好事 但很多人忽略了一点: 保费下降 ≠ 风险下降 这次的调整,本质上是 把一部分风险转回给你自己 所以关键不是: 选旧 Rider 还是新 Rider 而是: 你清不清楚自己需要承担多少 如果你现在: • 不确定自己的 Rider 结构 • 不清楚 Deductible / Co-insurance • 不知道最坏情况要付多少钱 评
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IP Rider premiums may be going down, but that doesn’t mean your risk is lower. In many cases, it simply means more cost is shifted back to you. What matters isn’t old vs new rider, it’s whether you
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If you have ever felt a bit unsure when filing your taxes, you’re not alone Filing tax always feels a bit confusing for a lot of people. So I took some time to consolidate the ways to reduce person
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The previous rider compilation did better than expected, but what mattered more was the number of people who reached out to clarify their coverage. So I decided to put together an updated version bas
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If you’re considering switching your Critical Illness policy after the recent news, this is for you. The switching process itself carries risk: • underwriting uncertainty • waiting periods • differen
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近期看到很多人已经把自己的 CI 保单取消了, 也有一些人正在考虑 要不要换去另一家公司。 我也看到有不少人在讨论这个话题。 这件事情本身没有对错, 每个人的想法、需求都不一样。 但有一个点, 我觉得很多人没有特别注意到: 更换保单这件事情,本身是有风险的。 因为大部分重大疾病保险, 都有一个 90 天的等待期。 也就是说, 如果你现在取消现有的保单, 再买一份新的, 在接下来的 90 天
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I’ve been seeing a lot of comments recently from people who have either cancelled their CI policies, or are considering switching to another insurer. I’ve also noticed that some advisors are actively
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Most people don’t even know what rider they currently have. So I decided to compile ALL the Integrated Shield Plan riders across insurers in Singapore into 1 post. You can use this as a general guid
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最近很多人都在问 住院保险 Rider 的新规则。 同样是有住院保险, 不同时间购买, 未来的保障结构 可能会完全不一样。 如果你 • 不确定自己的 Rider 会不会被换 • 不清楚未来会不会自动转去新结构 • 也不知道现在还能不能调整 • 不太确定自己属于哪一组,或者现在的 Rider 结构是怎样 可以留言 NOW, 我可以帮你简单看一下 😊 #新加坡理财 #iprider #in
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最近有不少新闻在讨论 新加坡住院保险 Rider 保费下降的消息。 很多人看到“保费下降”, 自然会觉得这是一个好消息。 但医疗保险的变化, 通常不只是数字的变化, 背后往往也会有结构上的调整。 在做任何医疗规划的时候, 其实有一个问题比保费更重要: 如果真的住院, 你需要自己承担多少费用? 很多人其实从来没有认真算过这一题。 如果你现在有住院保险, 但不太确定自己的 deductib
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最近因为美国和伊朗的局势升温, 很多人又开始讨论黄金。 历史上其实有不少投资者 买在高位后 等了十几年,甚至二十年。 黄金涨起来可以很疯狂, 但一旦进入周期整理, 时间往往比跌幅更难熬。 所以真正的问题从来不是: 黄金会不会涨。 而是: 你为什么要买黄金? 在资产配置里, 黄金更像是一个工具, 而不是一个信仰。 With the recent US-Iran tensions in t
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今天政府宣布: 从 2026年4月1日开始,新加坡公民申请 LPA Form 1 将永久免收费 之前这个费用其实只是暂时豁免,原本只到 2026年3月31日。 很多人可能会问: 既然现在已经永久免费,是不是就不用急着做了? 其实反而更应该把它当成一件早点处理好的事情。 因为 LPA 解决的不是“费用问题”, 而是 当一个人失去判断能力时,谁可以合法替他做决定的问题。 在我平时帮客户做规划
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About @kokoleyy

Teo Ko Yong | 张高榕 is a Instagram nano influencer. With 3.3K followers and 12 posts, kokoleyy's account shows a follower-to-following ratio of 1.8:1. View all content anonymously on Pictame - no login required.

kokoleyy's engagement rate sits at 6.78%. That's 36% above what you'd typically see for accounts with 1K-10K followers (average 5%) — a sign of a genuinely connected audience.

Out of the last 12 posts, 50% are videos and 50% are photos. Notably, photos tend to get 5.9x more engagement than videos. New posts appear roughly every 3 days — a steady, reliable rhythm. Captions lean detailed, averaging 689 characters.

6.78% engagement rate — 36% above average for 1K-10K follower accounts.
50% videos, 50% photos. Photos get 5.9x more engagement here.
New content every 3 days — a steady rhythm.
1.8:1 follower-to-following ratio.

FAQs About @kokoleyy

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kokoleyy
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@kokoleyy

Teo Ko Yong | 张高榕

Public
Posts
12
Followers
3.3K
Top Hashtags
#integratedshieldplan#singaporeinsurance#新加坡理财#新加坡保险#insurancesingapore#新加坡理财顾问#iprider#criticalillness

Explore the most impactful hashtags used in recent posts. These tags highlight the core interests and trending topics that define this profile's digital influence and content strategy.

Following
1.8K
Avg. Likes
211
Avg. Comments
11
Engagement
6.79%

🇸🇬 新加坡理财顾问 AIAFA 张高榕 💡 帮助对理财感到“模糊、焦虑”的人 把复杂的财务决定,说清楚、慢慢想明白 📩 有任何理财问题都可以交流

www.aia.com.sg/en/agent-profil...