What this is, and is not
WealthGraphd is an educational tool. It turns the figures in a proposal into numbers you can compare and questions you can ask. It is not a licensed financial adviser, it does not tell you to buy, keep, surrender or replace anything, and nothing it shows is a recommendation. Whether a plan suits you depends on your circumstances and on the full policy document.
How a document is read
If you upload a PDF, your browser reads the text out of it. The file is not sent to WealthGraphd. (The PDF-reading library itself is fetched from a public software CDN, which learns that the library was requested but never sees your file.) Scanned copies and photos have no text to read, and password-protected files must be unlocked first; in those cases you type the figures in.
Figures are found in two ways, and the tool says which:
- From a table. Illustrations list values year by year. The tool reads each row and, for participating policies, checks that Total = Guaranteed + Non-guaranteed in every row. A table that fails the check is discarded rather than half-read. Figures from a table that passes are labelled Verified against document and cite the page and the exact row.
- From a label. A figure on the same line as its label (for example "Guaranteed maturity benefit: $52,400") is read and labelled Needs confirmation, with the line it came from. Anything guessed from wording, such as the product type, is also marked as a guess.
You can correct any figure; once you do, or press "Mark as correct", it is labelled Confirmed by you. A value that could not be found stays empty and is labelled Not found. Empty never means zero: the one exception is a document that states "no distribution cost", which is read as a stated zero and shown with the sentence it came from. Fields that cannot apply (for example, illustrated values on a guaranteed-only plan) are labelled Not applicable.
The formulas
Total premiums paid
With a year-by-year table: the cumulative "total premiums paid to-date" column, converted to a payment for each policy year (the difference between consecutive rows). Where a table skips years, the gap's total is spread evenly across the skipped years. Without a table: single premium = the amount; yearly = amount × years of premiums; monthly = amount × 12 × years; or the total you enter.
Approximate yearly return
An internal rate of return: the single yearly rate at which every premium, compounded from the day it is paid, grows to the stated payout. Assumptions: each premium is paid at the start of its policy year (monthly premiums at the start of each month), and the payout arrives at the end of the policy term. The rate is solved numerically between −90% and +100% a year. It treats the whole premium as savings, so it ignores the value of any insurance cover, riders or death benefit inside the premium. Use it to compare plans, not as a forecast.
Check: using the premiums and maturity value in a public Etiqa sample illustration, the method returns 2.02% a year, the same as the guaranteed yield that document prints. Whenever a document prints its own yield, the analyser compares it with ours and says whether they match (within 0.06 percentage points), are close (within 0.25) or do not match; a mismatch means a figure may have been misread or the plan has features this tool does not model.
Break-even year
The first year listed in your document where the surrender value is at least the total premiums paid by then. If the document lists only some years, the true break-even could be earlier. If it is never reached within the listed years, the tool says so.
Early exit
For a year your document lists: premiums paid by then, the surrender value printed for that year, and the difference. Years the document does not list are never estimated, and a single surrender figure is shown as one data point only. Surrender value is not the same as the total value of the policy: surrendering also ends any protection benefits.
The WealthGraphd Score is experimental
The score is a rough educational summary, not a rating, a ranking or a suitability assessment. It is the weighted average of the factors below that could be calculated; factors without data are left out, never counted as zero. No score is shown unless at least two factors have data, and a data completeness figure (the share of the total weight that had real data behind it) is shown beside it.
| Factor (weight) | Formula | How it can mislead |
|---|---|---|
| Capital guarantee (25) | Guaranteed maturity value ÷ total premiums paid × 100, capped at 100. | Only says whether the guarantee covers what you pay in. Ignores time and inflation, so 100 is not a verdict. |
| Return potential (25) | Yearly return ÷ 8% × 100, kept between 0 and 100. Uses the illustrated return when the document has an illustration; a guaranteed-only plan uses its guaranteed return. | Illustrated figures are scenarios, not forecasts. The 8% is a scaling choice, not a benchmark. |
| Liquidity and term (20) | 100 − (policy term ÷ 25 years) × 100, kept between 0 and 100. | Looks at term length only, not surrender charges or when you will need the money. |
| Fee disclosure (15) | 100 if a fee figure (including a stated zero) was supplied. | Measures whether a number was given, not whether fees are high. A plan with large disclosed fees still scores 100. |
| Risk profile (15) | From the product type: guaranteed savings 95, guaranteed plus bonus 70, participating 50, investment-linked 20. | A category label, not measured volatility. Says nothing about a specific fund or insurer. |
The weights are a judgement, not a finding, and a high score never means a plan is suitable for you. Treat the factor breakdown, not the single number, as the useful part.
Benchmark rates
The comparison bars and the chart use indicative rates for Singapore T-bills, bank fixed deposits, Singapore Savings Bonds, CPF accounts and government bonds. They are entered by hand from the issuers' published rates and are not refreshed automatically, so the pages compare today's date with the date they were last updated (currently August 2026) and show a warning once they are more than 45 days past the end of that month. They are not like-for-like with an insurance plan: the plan includes life cover and is locked in, SSBs can be redeemed monthly, fixed deposits are insured up to S$100,000 per bank, and CPF money has restricted uses.
Illustration rates
Singapore insurers must show participating policies at two illustrated investment rates set by the Life Insurance Association Singapore (LIA). For new Singapore-dollar participating policies, these have been capped at 4.25% and 3.00% a year since 1 July 2021, as described in Prudential's LIA FAQ. LIA revises these caps from time to time (they were lowered on that date because of sustained low interest rates), and policies that already existed were not affected by the change, so the analyser reads the rates from your document and never assumes them. The two rates are scenarios, not upper or lower limits on what a policy could pay.
What happens to your information
The analysis runs in your browser. The figures stay on your device unless you choose to send them somewhere: your results are held in your browser tab's temporary storage until you close it; saving to the optional tracker sends what you save to your own account; and an adviser enquiry sends only the contact details and context you enter into that form. The Privacy Policy has the detail.
Independence and how this site makes money
WealthGraphd is free to use and no insurer pays to be shown or ranked. The only money the site can make is a possible referral fee if you choose the optional adviser-matching form, which is separate from the analysis and changes nothing the analysis shows. More on the About page.
What we do not know or cannot do yet
- Scans and photos cannot be read; only PDFs with a text layer.
- Investment-linked illustrations (shown at several return rates) are not read as tables; those figures are entered by hand.
- Riders, policy loans, premium holidays, reduced paid-up values and tax effects are not modelled.
- Table layouts vary between insurers. The reader has been checked against a real published illustration and the regulator's template, not every insurer's format, and it says when it cannot read a table.
- Benchmark rates are updated by hand and can be out of date; see above.
Corrections
If a figure or explanation here looks wrong, email [email protected] and we will look into it.