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Benjamin Koh Jia Hao

In Touch

A Monthly Curated Newsletter

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

New HDB policy: Standard, Plus and Prime – how does it affect you?

Housing and Development Board (HDB) will change how it classifies Build-to-Order (BTO) projects, starting in the second half of 2024. The policy changes intend to ensure that HDB policies continue to remain relevant in Singapore's current social and economic construct.

 
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Understand the costs of buying a home

This article provides a comprehensive guide to the costs of buying a home in Singapore, including down payment, stamp duty, legal fees, and renovation costs.

 
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DECORATE YOUR HOME FOR FREE | 10 DECOR IDEAS ON A BUDGET

 
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I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
Benjamin Koh Jia Hao
 
 
 
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DISCLAIMER

This is not an official AIA newsletter. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

© Benjamin Koh Jia Hao, All rights reserved.

Testimonials and Referral Notes

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Carlson (Optician)

Benjamin is incredibly knowledgeable about the insurance industry and has a keen eye for detail. He always takes time to thoroughly explain my policy coverage and answer any question that I may have. His expertise and professionalism have given me the peace of mind that I am properly insured. He truly cares about his client, and I never felt rushed or pressured when working with Benjamin. Thank you, Ben, for your outstanding service and dedication to your clients!

Jordon (IT Engineer)

Benjamin is a very patient and knowledgeable consultant. He is able to relate and cater to my needs. Although my policies were not bought through him, he made efforts to meet and understand what transpired between me and my previous consultant's advice and advised accordingly. He made me feel like I'm talking to a friend unlike others!

Chiang Teck Fung (Retiree)

I can only summarise Benjamin in 3 words: Helpful, patient & responsible. Helpful: Despite not being the agent that sold us the plan (he took over the policies as our previous agent was not doing a good job), and having to take over with many backlogs, Benjamin went the extra mile to ensure all our pending claims and doubts are addressed. He's been a great help even outside of financial planning; I was having trouble figuring out how to pay my electricity bills online as well as requiring to clarify certain medical check-ups SMS, Benjamin was there to guide me step by step even though it is not within the scope of a financial advisor. Patient: Benjamin went on to explain and update me on my existing portfolio. He was very professional and gave me a very detailed yet neutral updates. I had many questions especially when it has been sometime since I was updated on my portfolio. This is especially true in terms of a policy that I've gotten recently that does not seem to fit my objective. Benjamin patiently explained to me the advantage & disadvantage of the policy. I am very thankful for his timely advise as I've gotten this policy under the wrong impression and Benjamin was able to guide me through it and break down information to easily understandable pieces. Responsible: After having to experience a very bad encounter with my previous advisor (not picking up calls, not submitting claims for me). I made it a point that the next financial advisor I get must uphold a high sense of responsibility as I do not want the same situation to repeat itself. Though I did not voice this requirement out, Benjamin has been very proactive, responsive and even despite there being hiccups in the claims process (AIA require a more detailed breakdown on my bill), he never failed to update us or return our call when required. I am very assured with him taking over mine & my family's entire portfolio. Thank you for servicing me!

Deeban (QA Analyst)

I managed to catch up with Ben recently, who was a friend I made in University. Just like he was then, he was extremely patient and helpful in understanding my current policies and needs. Based on those, he managed to table up a few recommendations to further enhance the effectiveness of my policies and what are some things I should take note of when signing up for new policies. I would strongly recommend Ben to anyone who is looking to take up new policies or looking to kickstart on their finance portfolio, mainly because he does not hard sell policies, but rather he seeks to understand what one's needs and wants are before offering his recommendations. Way to go Ben!

Chan Family (Scientist+ IT Engineer)

Benjamin is a responsible and helpful agent, who does his job very well. He makes sure that we get the plans best suited for our family and when we needed his assistance, he was fast to reply and to take care of matters, so we didn’t have to worry about paperwork or payment. He makes sure to follow up on us and sees that everything is alright. He is very patient to explain policies again and clarify any questions when we are unsure. We feel well taken care of with him as our agent.

Adli (Consultant)

I’ve known Ben for 10 years, and all this time I’ve always been impressed with his ability to make something complex really easy to understand. His explanations of the various policies allow me to clearly understand what I have and what I am lacking in my coverage. His analysis is detailed and succinct, and his recommendations are always suited to my current and future financial situation. I thoroughly enjoy every session with him as not only does he not hard-sell, he carries himself professionally and with a pleasant smile throughout :) I would highly recommend him to everyone. Keep up the great work Ben!