Check if your insurance is doing duplicate work.
A simple Singapore policy checker for normal people. Paste your policy list, add policies one by one, or try the demo. You get plain next steps, not a wall of finance jargon.
Educational tool only. Parsing happens in your browser. Use the answer to ask sharper questions before buying, surrendering, replacing, or cancelling cover.
First answer
What should I check before buying more?
High premiums or lock-ins
Check firstAsk what you lose before changing anything
Policies doing similar jobs
CompareSee if two plans cover the same need
Different types of cover
Keep clearShield, riders, and hospital cash are separated
Clear rules before any AI recommendation.
The first version uses explainable rules for Singapore policy categories. AI can help summarise later, but it should not invent the overlap logic.
Same job twice
See when two policies may be paying for the same need.
Shield vs cash
Separate hospital bill cover from fixed hospital cash payouts.
Lock-in risk
Flag ILPs, savings, and whole life rows that deserve fee questions.
Premium pressure
Understand which premiums need a closer conversation before buying more.
Start with a policy list, then review the money and risk signals.
Paste a policy schedule, import a file, or enter rows manually. Demo data is available for learning the output. This is an educational rules-based check, not advice to buy, cancel, or replace cover.
Private by default
Policy text is parsed in this browser. Saved checker data uses local storage unless you export a portfolio JSON file.
Add policies first.
Start with a policy schedule, adviser summary, CSV, TSV, selectable PDF, or one manual row.
Educational use only. Policy text is parsed in this browser and the output is a questions list, not advice.
What it checks
Overlap, premiums, and gaps
The checker looks for duplicate benefits, premium pressure, ILP fee or lock-in signals, and useful protection gaps.
Do first
Choose paste, import, or manual entry
Paste or import is fastest. Manual entry works for one policy. Demo data is just a sample walkthrough.
Safe use
Education, not advice
The output is a review guide and questions list. It is not a recommendation to buy, surrender, replace, or cancel cover.
Data handling
Browser-first workflow
Policy text is parsed in this browser. Saved checker and report data uses local storage unless you export a file.
Choose one starting point
Paste/import is the fastest real path. Manual entry is fine for one policy. Demo data is sample only.
Use my policy info
Best when you have a policy schedule, adviser summary, CSV, TSV, or selectable PDF.
Manual entry
Pick the policy type first. Details appear after selection, and unknown fields can stay blank.
Try the demo
Use the Singapore sample to learn the warnings and report format before replacing it.
Paste or import policy info
Most people should start with a policy schedule, adviser summary, CSV, TSV, or selectable PDF. Demo data is only for learning the output.
Paste or import your policy schedule
One readable schedule is enough to start. The checker turns it into draft rows, then shows which fields need checking before you read the money-risk summary.
Minimum useful fields
Insurer, product or policy type, premium, cover amount, and covered person.
Works best with
Policy schedule tables, adviser summaries, CSV, TSV, or selectable PDF text.
After import
Draft rows are sorted for review. Check low-confidence fields against the insurer document.
Policy text is parsed in this browser. Use the report for questions to ask, not as a recommendation to buy, surrender, replace, or cancel cover.
No schedule handy? Choose a policy type first, or load the demo only to see how warnings and reports are structured.
What kind of policy do you have?
Pick the type or product first. The checker only asks for the details that matter for that policy, and unknown fields can stay blank.
1. Policy type
Choose the category first so the later fields match the way that cover works.
2. Provider and product
Pick the insurer and product if you know them. If not, keep the custom row and add details after the policy is created.
3. Details after selection
These appear after the policy row is created. Dates, policy number, and notes stay tucked away until needed.
Review policies found or entered (0)
Scan the policy rows first. Premium, cover amount, covered person, and period drive most of the useful checks.
Start with a policy list.
Paste a policy schedule, import a file, or add one manual row before reading the summary. Dates and notes can stay blank unless they change the review.
Policies
0
Usable rows
0
Rows to check
0
Key field checks
0
Review first
0
No policies entered yet
Start with demo data, paste a policy schedule, or add a manual row.
Add needs only where it improves the answer
These fields help with premium pressure and gap checks. Leave unknown fields blank instead of guessing.
Advanced needs, employer cover, and manual targets
Estimated targets from builder
Suggested total life target
Not estimated
Suggested CI target
Not estimated
Suggested disability target
Not estimated
Manual family cash and housing loan targets override these estimates. Blank manual targets use the estimated number for gap and overinsurance checks. Monthly care cash is manual because long-term care costs vary by family support and care setting.
See the money-risk summary
Start here before reading every warning. It answers what to review first, where premiums may be doing duplicate work, and what protection may need more detail.
Step 4
Money-risk summary
What should I review first?
No obvious duplicate found
Still check definitions, exclusions, claim offsets, and surrender values.
Where could money be wasted?
No annual review target yet
Enter premiums and policy categories to make this signal useful.
What protection might be missing?
No entered gap flagged
Needs fields are optional, but income, dependants, and housing loan make gap checks sharper.
Annual premiums
$0
Review target
$0
Warnings
0
Top review item
The entered categories did not trigger a duplicate or gap warning. Still compare definitions, exclusions, waiting periods, claim offsets, and surrender values.
Policy review queue
Add or import policies to see which rows deserve a one-policy-at-a-time review.
Turn the summary into adviser or insurer questions.
These are the first questions that will appear in the report. Use them to compare definitions, premiums, fees, and what could be lost before changing cover.
- 1Check
Which definitions, exclusions, waiting periods, claim offsets, and renewal premium changes should I compare across these policies?
Basic review
- 2Check
Are any benefits employer-provided, expiring, or subject to new underwriting if changed?
Basic review
- 3Check
Which policy documents should I keep beside this summary for a proper review?
Basic review
Generate the report and questions list
Use the report to prepare for a conversation with an adviser or insurer. It is not a cancellation instruction.
Add policies before opening a report.
The report needs at least one policy row before it can create a useful schedule or questions list.
Add at least one policy
Paste a policy schedule or add a manual row.
Fill only useful fields
Enter premium and cover if available. Leave unknown needs fields blank.
Generate after rows exist
Use the report as a record for adviser or insurer questions.
Paste or import is usually faster than manual entry when you have a policy schedule.
Before opening the report
The PDF is a questions list, not advice. These checks make sure it is based on a usable policy list.
Policy rows
Add or import at least one policy before opening a report.
Needs inputs
You can skip needs if you only want overlap and premium review.
Money-risk summary
The report still includes the schedule and safe review questions.
Questions list
Questions are generated for adviser or insurer follow-up.
Plain-English report draft
You entered 0 policies. Current included annual premiums are $0.
The deterministic checker did not find an obvious duplicate. That does not prove the portfolio is optimal, because policy definitions, exclusions, and underwriting still matter.
A short review path, not another dashboard.
The public checker keeps source-backed analysis behind simple steps: add policies, check the few missing fields, then read a short action plan.
1. Tell it what you have
Paste a list or choose policy types. You do not need every detail to start.
2. Check the missing bits
The app highlights only the fields that change the answer.
3. Bring better questions
Use the summary to ask your insurer or adviser what to keep, check, or compare.