With the rising cost of tertiary education over the years, planning for a child’s future education can feel increasingly overwhelming. However, the key to providing the best opportunities lies in starting early.

As education expenses continue to climb globally, it has become more important than ever to plan ahead to ensure children can reach their full potential. Through a comprehensive approach, it is possible to assess the estimated funding required across multiple countries of choice, taking into consideration factors such as tuition fees, living expenses, inflation, and even travel costs.

Many families have benefited from gaining a clearer understanding of the financial commitment needed for a quality education. With proper planning, parents can give their children a strong head start—well before they begin their schooling journey—while building a structured and sustainable education funding plan for the years ahead.

At APEX, we seek to only provide the most ideal insurance solutions for your needs.Need coverage but constrained by budget? Let us source the most suitable yet affordable plan. Specific needs for your life protection? We offer customized solutions because everyone is unique. With us, you can set your mind at ease.

At Apex, we take care of all your insurance needs through life’s various milestones. Our suite of comprehensive general insurance plans allows us to offer you protection while you’re on holiday, on the road, at home and even when you least expect accidents and injury to happen. They say life happens when you’re busy making plans. Why not get all your plans covered by us – so you’re free to make the best of life happen.

Successful investing begins with setting out clear measurable goals. Investment planning is an important component of Financial Planning. Our life planning process will help you to identify your short, medium and long term financial goals. Investment planning is a process that begins when you are clear on your financial goals and objectives. Our Financial Planning process is designed to help you get clear on how to match your financial resources to your financial objectives. By helping you set out clear and measurable goals, we can match the most suitable mixture of investments to each specific goal in the most efficient way. From the outset it is important to build a strong foundation and as your circumstance change, we can help you make any necessary adjustments to keep you on track.

Some of us are not aware of the adverse consequences of not having a valid will when we pass on whereas the rest of us are simply procrastinating. A clearly written will is another form of reassurance for your loved ones. It shows that you care for them and enables you to pass on your last instructions to them.

Writing a will is an important and yet often neglected part of financial planning. At Apex, we work with law firms and Trust companies to refer will writing services or setting up a Trust. Show your love ones that you care for them. Contact us for more information (Referral Services)

Retirement is something where most of us look forward to. But the question is, “Do you have enough to have a Golden Retirement?” In Singapore, even the Central Provident Fund (CPF) system needs more planning to supplement to your dream retirement. A well implemented retirement plan can help improve your retirement cash flow and they also protect your most important assets. So be rest assured and let us help you to plan your retirement together while you enjoy your fruits of labour.

We protect your company from any unexpected situation with our range of additional Business Insurance plans:

•Burglary
•Combined General Liability
•Commercial All Risks
•Consequential Loss
•Contractors & Erections All Risks
•Directors & Officers Insurance
•Equipment All Risks
•Fidelity Guarantee
•Fire
•Marine Insurance
•Money Insurance
•Plate glass
•Professional Indemnity Insurance
•Products Liability
•Public Liability
•Trade Credit Insurance
•Work Injury Compensation

What will happen to your business if one of the major shareholders were to pass away suddenly? Will you be prepared to welcome the demised shareholder’s spouse as your new business partner?

It is never too early to start thinking about your succession plan. Together with our partners, we work with you on having a shareholders' agreement in place. We provide for contingencies, and also to ensure smooth transition to your successor.

We specialise in delivering defined contribution employee retirement plans to multi-national companies and expatriates through our investment platform.

Our provider has helped many multi-national corporations set up and administer pension plans to achieve their HR objectives. We have over a decade’s experience in upgrading plans, transferring overseas plans to Singapore for tax and cost efficiency and establishing new arrangements to maximise human capital for our clients. Through innovative solutions and our unique position to offer a one-stop solution, you can attract, retain and reward top talents equitably.

Your employees are the drivers behind your business. We work with you to ensure comprehensive protection for your employees.

We provide packaged and customised solutions for Group Term Life, Corporate Medical Plans, Corporate Accident & Disability Plans Cover.

Business protection planning aims to help ensure the continuation of the business by financially compensating a business for the death or disability of one or more of their key employees. A keyperson is anyone whose death or major illness or disability would have a serious effect on the business’ financial status and future profits; they are not necessarily a significant shareholder. The problems associated with the loss of a key person fall into one of the following four main areas:

Loss of profits
Loan protection
Management buy-outs
Sole proprietors

We work with out clients to identify the problems and to provide appropriate product solutions.

We can help you retain your key assets by leveraging on insurance tools to accumulate a sizeable pension fund, while at the same time provide additional coverage on your key employees or their family members.