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Financial Advisers & Insurance in Singapore: 189 financial advisers, typically 20 years in business

Updated October 2026How we rank
Anyone who advises you on investments or life insurance in Singapore must work for a MAS-licensed or exempt financial adviser and be listed on MAS's register of representatives. Check both before you meet. Ask whether you pay through commission or fees, and remember most new life policies give you a 14-day free-look period to cancel.

12 of the best-documented financial advisers in Singapore

Businesses with the most complete public records first, photos, licence matches, hours and track record. Never ordered by payment.

Lonpac Insurance Bhd

Lonpac Insurance Bhd

Kampong Glam

27+ years in business

4 min walk from Bugis MRT

Multi-Lines Agencies

Multi-Lines Agencies

Tanjong Pagar

42+ years in business

1 min walk from Cc32 MRT

QBE Insurance (Singapore) Pte Ltd

QBE Insurance (Singapore) Pte Ltd

Tanjong Pagar

42+ years in business

1 min walk from Tanjong Pagar MRT

Munich Management

Munich Management

Raffles Place

51+ years in business

2 min walk from Raffles Place MRT

Providend

Providend

Tanjong Pagar

23+ years in business

2 min walk from Maxwell MRT

Acclaim Insurance Brokers

Acclaim Insurance Brokers

Tanjong Pagar

43+ years in business

5 min walk from Cc32 MRT

Global Financial Consultants

Global Financial Consultants

Raffles Place

23+ years in business

1 min walk from Raffles Place MRT

T K H Insurance Agency

T K H Insurance Agency

Kampong Glam

27+ years in business

3 min walk from Nicoll Highway MRT

Millennium Capital Management

Millennium Capital Management

Raffles Place

19+ years in business

1 min walk from Raffles Place MRT

Ray Alliance Financial Advisers

Ray Alliance Financial Advisers

HarbourFront

27+ years in business

1 min walk from Harbourfront MRT

Mutual Insurance Agencies

Mutual Insurance Agencies

Tanjong Pagar

23+ years in business

1 min walk from Shenton Way MRT

Citco Fund Services

Citco Fund Services

Tampines

19+ years in business

5 min walk from Expo MRT

Ordered by verifiable signals, licence matches, track record and completeness of public records. Featured placements are labelled and never change this order.

Show all 189

Compare 8 financial advisers side by side

Location, MRT walk, years in business, licence and published hours, facts from public records.

What licence should a financial adviser have?

  • Licensed or exempt financial adviser (firm)

    Monetary Authority of Singapore (MAS) · Required by law

    Firms giving financial advice must be licensed under the Financial Advisers Act or be exempt (e.g. banks and insurers). The MAS Financial Institutions Directory shows each firm's permitted activities.

    Check the official register

  • Appointed representative

    Monetary Authority of Singapore (MAS) · Required by law

    Individual advisers must be notified to MAS and listed on its representatives register with a representative number. The register shows the products they may advise on, the firm they act for, and any MAS actions against them.

    Check the official register

How to choose a financial adviser

  • Ask for the adviser's MAS representative number and look it up. The firm on the register must match the firm on their name card.
  • Ask how they are paid: commission built into products, an advice fee, or a percentage of assets under management. Each creates a different incentive.
  • Choose advisers who do a fact-find on your income, goals and existing cover before recommending products. MAS rules require advice to have a reasonable basis.
  • Compare life insurance premiums on compareFIRST and read the product summary and benefit illustration before signing.
  • Be wary of recommendations to surrender existing policies to buy new ones, as switching often incurs losses.

Red flags

  • No representative number, or the person is not on the MAS register.
  • The person is on MAS's Investor Alert List, or promises guaranteed high returns.
  • Pressure to sign the same day or to pay into a personal account.
  • Advice to cancel existing policies without a written comparison.

Questions to ask before you book

  • What is your MAS representative number, and which firm do you represent?
  • How are you paid for this recommendation?
  • What are the total fees and charges each year?
  • What happens if I stop paying premiums or need to withdraw early?

Questions about financial advisers & insurance in Singapore

How do I check if a financial adviser is licensed in Singapore?

Ask for their representative number and search MAS's representatives register on the MAS website (mas.gov.sg/directories). It shows the activities they may carry out, the firm they act for, and any MAS action against them. Then confirm the firm in the MAS Financial Institutions Directory, and check MAS's Investor Alert List for unregulated entities.

Can I cancel a life insurance policy after signing?

Most new life insurance policies in Singapore have a 14-day free-look period from when you receive the policy, during which you can cancel and get the premium back, less certain expenses such as medical check-up costs. For investment-linked policies, the refund may be adjusted for changes in unit prices.

Are financial advisers in Singapore paid by commission?

Many are, through commission built into insurance and investment products. Others charge a fee for advice, or a percentage of the assets they manage. Fee-based advice can reduce conflicts of interest but is paid directly. Ask for the total cost in dollars before you commit.

What is the difference between an insurance agent and a financial adviser?

A tied insurance agent represents one insurer and can only sell that company's products. Representatives of licensed financial adviser firms can compare products from several providers. Both must be on MAS's register, but their product range differs, which affects how wide the comparison you get will be.

How many financial advisers & insurance are there in Singapore?

Lookup lists 189 financial advisers & insurance in Singapore as of October 2026, with the largest concentration in Downtown Core (79). Listings are compiled from government registers and open map data and refreshed regularly.