Insurance advisory · Toa Payoh
Insurance advice that starts with what you already have
MAS-licensed advisers in Toa Payoh who review your CPF, MediShield Life and existing policies before recommending anything. No-obligation review, plain-English summary, no pushy follow-ups.
4.8(156 Google reviews)
- MAS-licensed representatives
- Free, no-obligation review
- Compare across 8 insurers
- Medisave-payable hospital plans
What we advise on
Personal, family and SME cover. We compare plans across multiple insurers and show you the trade-offs.
Hospitalisation (Integrated Shield)
Private, Class A or B1 ward plans that stack on MediShield Life, with riders to cap your out-of-pocket.
Medisave-payableFrom S$30 / month cash top-up
Life & critical illness
Term and whole-life cover sized to your dependants, mortgage and income, with early-stage CI options.
From S$40 / month
Personal accident
Cover for medical bills from accidents, including TCM and physio, for adults and children.
From S$12 / month
Travel insurance
Single-trip and annual plans with COVID-19 cover and adventure-sports add-ons.
From S$25 / trip
SME group insurance
Group hospitalisation, WICA, public liability and key-person cover for companies of 2 to 200 staff.
Quoted per headcount
Retirement & savings plans
Endowment and retirement income plans, including CPF LIFE and SRS planning.
Free consultation
How a review works
- 1
Review
We map your CPF, MediShield Life and existing policies.
- 2
Gap analysis
A one-page summary of what's covered and what's not.
- 3
Compare
Options from multiple insurers, side by side.
- 4
Decide in your time
No deadlines, no pressure, annual check-in included.
Our advisers
Ms Elaine Ho
Principal Adviser
ChFC · MAS-licensed Representative · 18 years' experience
Specialises in family protection and Integrated Shield reviews.
Mr Nizam Abdullah
Senior Adviser, SME
CFP · MAS-licensed Representative · AFP
Advises SMEs on group cover, WICA and key-person insurance.
Ms Cheryl Sim
Adviser
MAS-licensed Representative · CMFAS M5, M9, HI
Works with young families and first-time policyholders.
Licensed, certified & accredited
- MAS-licensed RepresentativesMonetary Authority of Singapore
- Chartered Financial Consultant (ChFC)Singapore College of Insurance
- Certified Financial Planner (CFP)FPAS
Client testimonials
4.8 ★ average from 156 reviews on Google
“Elaine reviewed all our old policies and told us to cancel two of them and upgrade our Shield plan instead. Saved us about S$90 a month. Who does that?”
DGDaniel GohGoogle review · Aug 2026 “Got a clear one-page summary of what my family is covered for. No hard selling, took two weeks to decide and nobody chased me.”
PNPriya N.Google review · Jul 2026 “Nizam set up group hospitalisation and WICA for my 12-person team in under a week and explained the Medisave portability for staff.”
JLJason LimGoogle review · May 2026 “Helpful, patient advisers. Office is right by Toa Payoh MRT and they do video calls too.”
MCMelissa ChuaFacebook review · Apr 2026
- 2,400+
- Families advised
- 8
- Insurers compared
- 18 yrs
- Experience
Since 2010
Advisers, not salespeople
Meridian Wealth Advisory is an independent advisory practice in Toa Payoh. Every adviser is a MAS-licensed representative, and most hold ChFC or CFP qualifications. We start every relationship with a free review of what you already have — CPF, MediShield Life, employer cover, old policies — so you only buy what actually fills a gap.
You get a one-page summary in plain English, a comparison across insurers, and time to decide. We're paid the same either way, so there's no reason for us to push.
- 2,400+
- Families advised
- 8
- Insurers compared
- 18 yrs
- Experience
Frequently asked questions
Is the review really free?
Can I pay for hospital plans with Medisave?
Do you represent one insurer or many?
Do you cover SMEs?
Request a free policy review
Tell us a little about your situation and we'll suggest a time. Reviews can be done in person, by video call or over WhatsApp.
Office hours & location
Contact & location
- 23 Serangoon Central #03-15, Singapore 556083
- Nearest MRT: Serangoon MRT (NE12/CC13)
- +65 6629 5-9-4-4
- WhatsApp us
- hello@meridianwealthadviso.sg
Opening hours
- Monday
- 9:00 am – 7:00 pm
- Tuesday
- 9:00 am – 7:00 pm
- Wednesday
- 9:00 am – 7:00 pm
- Thursday
- 9:00 am – 7:00 pm
- Friday
- 9:00 am – 6:00 pm
- Saturday
- 10:00 am – 2:00 pm
- Sunday
- Closed
- Public holidays
- Closed
Find out what you're actually covered for
Book a free 45-minute review. Bring your existing policies or just your NRIC — we can pull most details with your consent.