How to keep track of all your family's insurance policies in Singapore
Most families end up with policies from several insurers, bought at different times, sometimes by a parent or an agent who has since moved on. Ask "what are we covered for, what is due this month, and who is the nominee?" and nobody can answer in one minute. This guide shows a simple way to fix that, with a spreadsheet or an app.
The short version
- Find every policy.
- Write down the same details for each one.
- Keep it current, and make sure one other person knows where it is.
Step 1. Find every policy
Work through these in order. Each one catches policies the previous one missed.
- Your own paper and email. Policy documents, premium notices, renewal emails.
- Your bank statements. A regular GIRO or card payment to an insurer you did not think about is a clue.
- Your agent or adviser. It is a reasonable request to ask for a list of everything you hold with them, with the policy number, premium and sum assured.
- SGFinDex. This is the government-backed system that lets you pull your financial information from banks, insurers, CPF and other institutions into one view, using Singpass. You open it from the app or website of a participating bank or insurer, log in with Singpass, and approve each institution you want to connect. According to GovTech, it only passes your data along; it does not read or store it, and you can remove a connection at any time.
What SGFinDex does not do. It only covers the participating insurers. MAS lists AIA Singapore, Great Eastern, HSBC Life, Income, Manulife Singapore, Prudential Singapore and Singlife (check the list inside the app, as it can change). Its insurance data is described in the official announcement as life, accident and health policies. A policy with any other insurer, or another kind of cover, still has to be found the old way and added by hand.
Many older guides tell you to log in through MyMoneySense. MAS notes that MyMoneySense ceased operations on 31 December 2025, so use a participating bank or insurer app instead.
Step 2. Write down the same details for every policy
The value comes from using the same columns every time, so you can compare policies and add up totals. Whether you use a spreadsheet or an app, record these:
| What to record | Why it matters |
|---|---|
| Who is covered, and who owns the policy | Decides who can claim and who can make changes. |
| Insurer and policy number | The first thing your family will need to make a call. |
| Type: life, health, critical illness, disability, personal accident, car, home, travel, mortgage | Lets you spot gaps and overlaps at a glance. |
| What it covers, in a few words | Saves digging through a 40-page contract. |
| Premium amount and how often you pay | Shows the real yearly cost of all your policies together. |
| GIRO or manual payment, and the next due date | A missed manual payment is the easiest way to lose cover by accident. |
| When premium payments end | Some policies stop collecting premiums long before the cover itself ends. |
| Sum assured | What the policy is meant to pay out. |
| Current cash (surrender) value, if any, and the date you checked it | Counts towards what your family really owns. |
| Nominee or beneficiary | Check it still matches your wishes after marriage, a birth or a divorce. |
| Where the paper policy is kept, and your adviser's contact | Saves your family a search at the worst time. |
Do not put passwords or full card numbers in this list. It is meant to be shared, so keep it to facts a family member would need.
Step 3. Keep it current, and tell someone where it is
- Put every premium due date somewhere that reminds you, such as a calendar or an app that alerts you.
- Once a year, spend 15 minutes comparing the list with your statements. Update premiums, cash values and nominees.
- Tell one trusted person where the list is. A policy nobody knows about is easy to miss when it matters most. A written list is also safer than handing out your insurer logins.
Spreadsheet, insurer apps or a family app?
| Spreadsheet | Insurer apps | SGFinDex-based apps | FamilyHub SG (beta) | |
|---|---|---|---|---|
| Cost | Free | Free | Free to use SGFinDex | Free during the beta |
| Covers all insurers | Yes, you type it in | No, one insurer each | Participating insurers only | Yes, you type it in |
| Reminders | Only if you build them | Varies | Varies by app | In-app alerts for premiums due and premiums ending |
| Shared with family | Share the file | One login per person | Your own view only | Shared household, edit or view-only access |
| Main catch | Nobody gets reminded | Many logins to juggle | Misses other insurers and other cover types | You type each policy once; it does not connect to insurers |
A spreadsheet is a perfectly good place to start. If the spreadsheet stops being updated, or you want reminders and a spouse or parent who can see it too, that is the gap FamilyHub SG is built to fill.
What FamilyHub SG does for this
FamilyHub SG is a free beta web app for Singapore families. For insurance specifically:
- Each policy records the details in the table above, including who is covered, premium and frequency, GIRO or manual, sum assured, cash value and nominee.
- Policies paid by GIRO are never flagged as overdue. Manual premiums show as due, or overdue, in the app's alerts, and so do premium end dates.
- You can invite family members to the same household and choose whether each person can edit or only view.
- You can download a full copy of your records at any time.
Honest limits: it is still in testing, reminders appear inside the app only (no email yet), and you enter policies by hand. Your data is stored in Singapore, and the founder and one IT developer can access stored data to run the service. See the privacy policy for details.
Common questions
Can I see all my insurance policies in one place in Singapore?
Partly. SGFinDex lets you pull policy details from the participating insurers into one view with Singpass, but only those insurers, and its insurance data is described as life, accident and health policies. Policies with other insurers, or other kinds of cover, need to be found from your own documents and added by hand.
Which insurers take part in SGFinDex?
MAS lists AIA Singapore, Great Eastern, HSBC Life, Income, Manulife Singapore, Prudential Singapore and Singlife. The list can change, so check inside the app you use.
Is MyMoneySense still available?
MAS notes that MyMoneySense ceased operations on 31 December 2025. Older guides that tell you to log in there are out of date. You can open SGFinDex from the app or website of a participating bank or insurer instead.
Should I share my insurer logins with my family?
A written list is safer than shared passwords. Record the insurer, policy number, who is covered, the premium and the nominee, and tell one trusted person where the list is kept.
Where should I start if I have no idea what I own?
Start with the documents and emails you already have, then ask your agent or adviser for a list of what you hold with them, then check SGFinDex. Look at your bank statements for regular payments to insurers you do not recognise.
A note on who wrote this. This guide is by the founder of FamilyHub SG, who is not a licensed financial adviser. It is general information about keeping records, not advice on what to buy or whether your cover is enough. For that, speak to a licensed adviser.
Sources
- Monetary Authority of Singapore, SGFinDex (participating institutions, and the note that MyMoneySense ceased operations on 31 December 2025). Checked 14 October 2026.
- GovTech Singapore, SGFinDex (how to use it, and how it handles your data). Page updated 29 April 2026; checked 14 October 2026.
- MAS and SNDGG, Financial Planning for Singaporeans Enhanced with Insurance Data on SGFinDex (joint media release, November 2022).