Analyse your plan.
Upload your Benefit Illustration, Product Highlights Sheet, or investment proposal. Parsing happens in your browser -- nothing is uploaded to a server. We only fill in what we can confidently read; everything else stays blank and editable so you're never looking at a made-up number.
- About a minute, 3 steps
- Your file never leaves your browser
- Independent of any insurer
- Free, no account
Drop a file here, or click to choose one
PDF only, up to 25 MB · the text is read automatically in your browser · photos and scans can't be read yet, but you can type the figures in
No document handy? (made-up figures, not a real policy), or .
Check the numbers.
Each figure shows where it came from and how sure we are. Nothing is guessed silently: if we could not find a value the box stays empty, and empty means not found, never zero. Change anything that does not match your document.
- Verified against document read from a table whose figures add up
- Needs confirmation found in the text; please check it
- Confirmed by you
- Not found Not applicable
Your analysis.
Worked out only from the figures above. Every formula is shown, and anything we could not find is marked rather than guessed.
The WealthGraphd Score Experimental
A rough educational summary of five factors. It is not a rating, a ranking or a suitability assessment, and a high number does not mean a plan is right for you. How it is calculated, and where it can mislead.
This analysis uses only the figures above and formulas shown on this page. It is not financial advice and does not tell you to buy, keep, surrender or replace any policy: that depends on your own circumstances and the full policy document. Want it checked by a person instead?
What this tool reads, and how
Upload a Benefit Illustration or Product Highlights Sheet and WealthGraphd looks for the figures that decide whether a plan is what it seems:
- What is guaranteed versus what is only illustrated at the higher and lower projection rates.
- What you actually pay -- yearly, monthly or once -- and for how many years.
- The yearly return on the guarantee alone and on the illustration.
- What happens if you need the money early, using the surrender value printed in the document.
- Charges and lock-in, where the document states them.
Anything it cannot read confidently is left blank for you to fill in -- never guessed.
Questions
Is my document uploaded anywhere?
No. PDFs are read inside your browser and the file is never sent to WealthGraphd. The PDF-reading library itself is loaded from a public CDN (cdnjs), which only sees that the library was requested -- not your document.
Which documents can it read?
Text-based PDFs such as a Benefit Illustration or Product Highlights Sheet. Scanned copies and photos have no text to read, and password-protected PDFs need the password removed first. In any of those cases you can type the figures in yourself -- the score and returns work the same.
How is the yearly return worked out?
It is an internal rate of return: every premium counts from the day you pay it, and the guaranteed or illustrated payout arrives at the end of the term. That matters because a plan where you pay yearly for ten years has most of its money invested for less time than a single payment would be, so dividing the payout by one premium (or even by the total) overstates the result. It treats the whole premium as savings, though part of what you pay buys insurance cover, so use it to compare plans rather than as a promise.
What is the WealthGraphd Score, and is it advice?
A transparent five-factor comparison -- capital guarantee, return potential, liquidity, fee disclosure and risk -- with every formula shown when you click a factor. It is an educational comparison, not a regulated rating and not financial advice, and it only ever uses figures from your document or that you typed in.
How does WealthGraphd make money?
The only money this site can make is a possible referral fee if you choose to use the optional adviser-matching form. Using this analyser is free, needs no account, and the referral doesn't change what the tool shows you. There is more detail on the About page.
What do the two “illustrated” rates in my document mean?
For participating policies, insurers must show projected values 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, and LIA can change them, so always rely on the rates printed in your own document. They are scenarios, not upper or lower limits on what you could get.
Why does the tool compare my result with the yield printed in my document?
Singapore illustrations print the insurer's own guaranteed (and illustrated) yield. If the figures we read from your document produce the same yield, that is a good sign they were read correctly. If they don't, the tool says so instead of quietly showing numbers you shouldn't trust.
Want a licensed adviser to walk through this with you?
WealthGraphd doesn't sell products or give financial advice -- we just help you see where something sits before you talk to someone who can. Leave your details and we'll pass your enquiry to a licensed financial adviser in Singapore who isn't tied to any single insurer.