Reduce your insurance premiums by up to 40%
Insurance premiums can be expensive – but it doesn’t have to be if you compare across multiple insurers. Our financial advisors have track records of saving others up to 40% off their insurance premiums!
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Want to pay less insurance premiums?
Let our financial advisors help.
Every month, a chunk of your hard-earned money goes toward your insurance premiums.
It’s supposed to give you peace of mind – but instead, it feels like a burden.
With rising living costs, from housing and transportation to medical care, your budget is stretched thin.
And yet, your insurance premiums keep eating into your finances, leaving you wondering:
- Am I paying too much for coverage I don’t need?
- Did I trust one agent’s advice without considering other options?
- Are my policies truly the most cost-effective solution?
The truth is, many people unknowingly overpay for insurance.
They rely on advice from a single agent or stick to policies from one company, not realising that there are more affordable options available – often with the same or better coverage.
The real problem
Too many people spend more than the recommended 10% of their income on insurance premiums.
In fact, we’ve seen cases where this number hits 15% or higher, putting unnecessary strain on their finances.
But here’s the good news: it doesn’t have to be this way.
With the right guidance, we’ve helped individuals bring their insurance costs down to just 3-5% of their income – while keeping them fully protected.
The solution: Smart insurance planning
Our financial advisors specialise in helping you reduce your insurance costs without compromising your coverage.
Here’s how:
-
We Analyse Your Current Portfolio
We take a deep dive into your existing policies, understanding your needs, goals, and gaps in coverage. -
We Restructure Your Insurance
By switching to different policy types, like term life insurance instead of whole life, we help you get the same protection at a fraction of the cost. -
We Find Cheaper Policies with the Same Coverage
We compare plans across multiple insurers to find options that deliver the same benefits – at a lower premium.
Even if we can save you $100/year in insurance premiums, that’s $100 a year more towards your financial goals.
There’s no reason to let your insurance premiums weigh you down.
With a thorough review and strategic adjustments, you can free up your budget for the things that truly matter, like saving for your home, retirement, or your kids’ education.
Our Promise:
- No upselling.
- No unnecessary coverage.
- Just personalised advice that helps you spend smarter.
Insurers to Compare From
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.
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.
Multiple quotes, 1 advisor
Save time and effort by getting quotes from multiple insurers, all through a single trusted advisor.
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
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
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.
Likeability and empathy
Advisors are evaluated on their ability to connect with clients, demonstrate empathy, and provide personalised, client-focused advice.
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 do you decide who to match me with?
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.
Can I just get a second opinion?
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.
Is this service free?
Dollar Bureau’s matching services are 100% free.
Does this cost more?
Our service doesn’t cost more because:
- Our matching service is free
- MAS doesn’t allow hidden or marking up of fees
- 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.
Does this take much time?
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.
What if I just want to get a policy?
If you already know what you want and would like to just quickly get a policy, our financial advisors can help too!
How many insurers can your advisors compare for me?
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.
Can your financial advisors review my existing insurance policies?
For sure! Find ways to reduce insurance premiums or maximise your insurance premiums!
Must I purchase from one of your financial advisors?
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.
What if I don't like the proposals by my assigned financial advisor?
Here’s what you can do:
- Request for a new proposal from your assigned financial advisor.
- Request for a new financial advisor to be assigned to you.
Can you help foreigners?
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!