Know what you're actually buying.
Upload the Benefit Illustration or proposal you've been given. We'll show you what's guaranteed, what's projected, what you're paying, and what happens if you exit early — then where it sits against CPF, SSB, T-bills, and fully market-linked plans.
Where does your investment actually sit?
Compared against other asset classes — CPF, T-bills, government bonds, the STI — not just other insurance products.
The WealthGraphd Score.
A worked example — upload your own document to see your plan's real breakdown.
WealthGraphd's Educational Comparison Score (not a regulated financial rating). Every sub-score shows exactly how it was calculated from your document's own figures — never invented.
Your benefit illustration, translated into plain English.
The example below is illustrative only — not a real policy or insurer. Upload your own to see the real thing.
- Annual premium
- S$5,000
- Policy term
- 20 years
- Guaranteed benefit at maturity
- S$92,000
- Projected benefit at maturity (illustrated)
- S$134,000
- Surrender value, year 5
- S$31,000
- Charges (disclosed)
- S$3,200 / yr
S$92,000 is the only figure this document actually promises. Everything above that line depends on an assumption, not a contract.
S$134,000 assumes the insurer's illustrated investment return is actually achieved over the full term — a projection, not a guarantee.
This money is committed for 20 years. Exiting early returns whatever the surrender schedule states for that year — check it before assuming year 5's figure holds at any other point.
S$3,200 a year is disclosed. Confirm whether that's level, reducing, or front-loaded across the term.
A higher illustrated return in exchange for a 20-year lock-in and a return that isn't guaranteed — worth weighing against a shorter, government-guaranteed alternative for the same money.
Three steps, no sales call.
Find or upload
Search our list, or drop in the fact sheet you already have. Either way takes under a minute.
See where it sits
We place it on the same chart, from capital-guaranteed through to fully market-linked — plainly labelled.
Compare confidently
Line it up against government rates, bank deposits, or another product you're weighing — before you sign anything.
Independent, transparent, and clear about what's uncertain.
Independent
We don't sell insurance or investment products, and don't earn commission on any product shown here.
Transparent
Every score factor shows its own formula — click any factor on your analysis to see exactly how it was calculated.
Singapore-focused
Benchmarked against CPF, SSB, T-bills and fixed deposits — not generic global averages.
Clear about uncertainty
Document parsing happens in your browser, not on a server. Anything we can't confidently read stays blank for you to confirm, never guessed.
This tool places products, it doesn't recommend them. Positions are drawn from public fact sheets and illustrative return ranges, not verified against every insurer's current filing, so treat figures as a starting point for your own reading, not advice. We're independent, not a licensed adviser — see our regulatory notice for what that means.
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Upload the Product Highlights Sheet or Benefit Illustration your FA sent you — we'll extract the key numbers and place it on the chart next to what you're considering.
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Run your own numbers.
Guaranteed vs Projected Gap Calculator
See exactly how much of an illustration is a promise, and how much is a guess.
ILP vs SSB Calculator
Plug in both rates and see the break-even return you need.
Policy Surrender Value Impact Calculator
What breaking a policy early actually costs you.
Benefit Illustration Checklist
The eleven numbers to find before you sign anything.
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Independent, not a licensed adviser — see our regulatory notice. Leave your details and we'll pass your enquiry to an MAS-licensed financial adviser in Singapore who isn't tied to any single insurer.
WealthGraphd is an informational and educational tool. It does not provide financial advice under the Financial Advisers Act, and the WealthGraphd Score is not a rating issued or endorsed by MAS or any regulator. Nothing here is a recommendation to buy, sell, surrender or hold any specific product -- for advice tailored to your circumstances, speak to an MAS-licensed financial adviser.
Before you ask.
Is WealthGraphd a financial adviser?
No. We're an independent educational tool -- we don't hold a Financial Advisers Act licence, don't sell insurance or investment products, and don't earn commission on any product we show. If you want licensed advice, the optional second-opinion referral connects you with an MAS-licensed adviser.
Do you make up figures if my document is unclear?
No. If we can't confidently read a figure from your upload, we leave that field blank and editable rather than guessing -- you always see exactly which numbers came from your document and which are reference benchmarks.
Is my document stored anywhere?
No account is required, and document parsing happens in your browser. See the Privacy Policy for full detail on what, if anything, is retained when you submit an enquiry.
What is the WealthGraphd Score, exactly?
A transparent, five-factor educational comparison score (capital guarantee, return potential, liquidity and term locks, fee transparency, risk and volatility) -- weighted and shown with a full calculation breakdown. It is not a regulated financial rating.
Does the second opinion cost anything?
The adviser referral is free with no obligation. A paid deep-dive PDF report is planned as an optional add-on -- if you're on this page before that launches, the free score and adviser referral are fully available now.
Before you sign, understand what you're actually buying.
Upload your financial proposal and see the guarantees, projections, charges and trade-offs in one clear view.
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