How I Built My Insurance Foundation as a Newlywed with a New BTOBy Havend • July 29, 2026Hi, I’m Jinfeng. I got my first insurance policy at 21, a MINDEF Group Term Life plan while I was serving in the army, not because I understood what I was buying, but because it was the easiest and most affordable option available to me at the time. Looking back, I did not really get insurance until a few years later, when I actually sat down and mapped my coverage against my own life. I have just gotten married, we have collected the keys to our HDB flat, and for the first time, my financial decisions are not just about me anymore. My Life Stage and Financial Context I am in my late 20s, recently married, and we have just taken on an HDB loan together....