Review & Re-Optimise Your Insurance Policies | Dollar Bureau

Your insurance policies should also stay relevant, not just you.

Insurance policies get old, outdated, and expensive. We help you review & restructure your policies to better fit your financial goals. 100% free.

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Paying too much for insurance or getting too little?
Let our financial advisors help.

Insurance is supposed to give you peace of mind.

But for many, it feels like a constant struggle – either you’re paying too much for policies that strain your finances or you’re stuck with coverage that doesn’t go far enough to protect you.

The truth is, most people don’t know if their insurance is truly working for them.

  • Are you overpaying for coverage you don’t need?
  • Are there better policies out there that offer more for less?
  • Is your portfolio optimised to match your goals, or is it pieced together from different agents and advice?

These are questions you shouldn’t have to ask alone.

The problem with "Set and Forget" insurance

For too many, insurance becomes a “set and forget” part of their financial plan.

You have policies that are hand-me-downs from your parents, which are usually uncompetitive in terms of price and features.

Advice from one agent might leave you tied to a single company – often missing more affordable or comprehensive options elsewhere.

Policies bought years ago might no longer align with your needs.

Premiums may eat up more than the recommended 10% of your income, with no review to find savings.

And worst of all, the coverage you think is protecting you might not actually cover their real risks.

Dollar Bureau has been around since 2019 to combat these problems in the industry, and you’ll be surprised at the horror stories we’ve heard.

Comprehensive insurance review

Here’s how our financial advisors can help: 

Better protection, less stress

By the time we’re done, you’ll have:

  • The peace of mind that comes from knowing you’re fully protected.
  • The confidence that you’re getting maximum value for your premiums.
  • Extra room in your budget to save for the things that matter most – like your family, your home, or your retirement.

Why settle for less?

Don’t let outdated policies or high premiums hold you back.

Let us help you find better, cheaper, and more effective insurance solutions tailored to your life stage and goals.

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Why choose Dollar Bureau?

Since 2019, Dollar Bureau has been a trusted resource for over 30,000 readers each month, helping more than 2,000 individuals navigate their financial options.

We’re 100% independent, with no affiliations or preferences for any financial advisory firm.

Instead, we partner with carefully selected independent financial advisors who share our commitment to transparency and putting your needs first, ensuring you get unbiased guidance tailored to your unique goals.

Dollar Bureau

We're 100% independent

We’re just like you – except we’ve been misled before. 

That’s why we’re committed to helping you avoid scams or purchasing something you don’t need.

Dollar Bureau

Multiple quotes, 1 advisor

Save time and effort by getting quotes from multiple insurers, all through a single trusted advisor.

Dollar Bureau

Unbiased tailored advice

Our advisors focus on holistic financial planning, making recommendations that align with your overall goals – not just selling you a policy.

Meet our founder

Dollar Bureau

Firdaus Syazwani, Founder

Hi there!

In 1999, my mother purchased what she thought was an endowment plan from an insurance agent, intending to gift me $20,000 when it matured.

She diligently paid premiums for 20 years, trusting that it was the right choice.

But when the policy matured, we discovered it wasn’t an endowment plan at all – it was a whole life policy with a sum assured of $20,000.

There was no payout, no savings component – just a profound sense of confusion and disappointment.

This experience taught me 2 important lessons.

First, my mother had been missold a policy, likely without a full understanding of what she was purchasing.

Second, this wasn’t unique to her – most don’t truly understand what they’re buying when it comes to insurance.

They often don’t know why they’re purchasing specific policies or how these policies fit into their financial plans.

It was this realisation that led to the creation of Dollar Bureau.

I didn’t want others to go through what my mother and I experienced – buying policies that didn’t suit their needs or align with their goals.

Mis-sold policies and unclear advice are far too common in the financial industry, leaving people locked into plans they don’t fully understand or, worse, plans they don’t even need.

Dollar Bureau exists to change that.

We strive to help individuals truly understand their financial options – what they’re purchasing, why they’re purchasing it, and how it fits into their overall financial plan.

For example, someone might say they need a critical illness insurance policy because they’ve read about it or were told it’s essential.

However, when our partnered financial advisors take the time to review their needs, they often find that what the individual really requires is a hospitalisation plan – something much more affordable and practical for someone without any existing health coverage.

This is the key difference with Dollar Bureau.

We partner with financial advisors who take a holistic approach to financial planning.

They don’t just focus on selling policies – they focus on understanding your unique life stage, financial responsibilities, and long-term goals.

They don’t provide cookie-cutter proposals; instead, they offer tailored advice that makes sense for your situation.

Every recommendation is designed not just to solve a perceived need but to align with your overall financial goals.

It’s not about selling the most expensive policy or offering the broadest coverage – it’s about finding the right fit for you, ensuring that you’re not overpaying for what you don’t need or missing critical coverage you do need.

Especially since a policy typically has commitment periods of over 20+ years, it’s worth spending extra time to view things holistically rather than modularly.

Our careful advisor selection process

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Focus on core values

There are thousands of advisors, but the advisors we pick must align with our values of transparency and integrity, put clients’ needs first, and prioritise trust and ethical practices.

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Likeability and empathy

Advisors are evaluated on their ability to connect with clients, demonstrate empathy, and provide personalised, client-focused advice.

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Quality assurance

We consistently review and assess our advisors’ performance and client feedback to ensure they meet our high standards of service excellence.

Real reviews, real sucess stories

Frequently asked questions

How often should I review my insurance policies?

We recommend reviewing your insurance policies in the following scenarios:

  • When premium payments are too costly for you
  • When you meet a financial goal
  • When you hit major life milestones
  • Every year

It’s easy! Let us know what you’re looking for and if there are specific policies you’d like to compare. We will then analyse your request and will assign the best-suited specialist for you.

Yes! Many come to our financial advisors to get a second opinion on a policy that they’ve been recommended. If that policy is the best for you based on a holistic analysis, then you’re free to engage the financial advisor that recommended it to you.

Dollar Bureau’s matching services are 100% free. 

Our service doesn’t cost more because:

  1. Our matching service is free
  2. MAS doesn’t allow hidden or marking up of fees
  3. Premiums are the same as going directly to an insurer

 

In fact, many end up saving more as you are comparing multiple policies at once.

It’ll take a slightly longer time to understand your needs, but it’s important for holistic financial planning. If you’re going to be paying premiums for 20+ years, it’s worth taking some extra time to make sure you get the best one for yourself.

Also, we save you time if you’re planning holistically, as our financial advisors can obtain, compare, and recommend the best one for you. No need to repeat this process across multiple financial advisors.

If you already know what you want and would like to just quickly get a policy, our financial advisors can help too!

Our network of financial advisors collectively has 17+ insurers for you to choose from. They help you find and compare the best policy tailored for your needs.

Nope! Only purchase if you like the tailored proposals you receive and if you feel comfortable with your advisor. 

There’s completely no pressure to purchase anything.

Here’s what you can do:

  1. Request for a new proposal from your assigned financial advisor.
  2. Request for a new financial advisor to be assigned to you.
 
Suspect foul play? Send an email to [email protected] and I’ll personally investigate.

They can usually help if:

  • You’re working in Singapore
  • Have a spouse working in Singapore
  • Have a company incorporated in Singapore
  • Have a Singapore bank account

 

Feel free to submit a request and we’ll check it for you!

Enjoy your free consultation via Zoom, phone call, or in-person.

Our advisors can only provide you financial services if you are currently based in Singapore.

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