Clarity. Stability. Growth.
Your Prudential Financial Consultant in Singapore
Hi, I'm Syarafana, a Senior Financial Consultant with Prudential Singapore. I help individuals, families and business owners with insurance planning, savings and investments, retirement planning, and employee benefits.
What I help with
Four ways people usually start
Everything starts with where you are today, not a product. Pick what's closest to what's on your mind, or just book a call and we'll figure it out together.
Insurance & protection
Hospitalisation, critical illness, life and personal accident cover, sized to your life and your budget, not oversold.
- Integrated Shield Plans
- Critical illness cover
- Term & whole life insurance
- Personal accident & maternity cover
Savings & investments
Plans that put your money to work towards a real goal: a home, your kids' education, or a retirement that starts on your terms.
- Investment-linked plans (ILPs)
- Endowment & savings plans
- Retirement & annuity plans
- Education savings plans
Corporate insurance
Employee benefits and business protection that help you hire well, keep your team, and protect the business itself.
- Group hospital & surgical
- Outpatient GP & specialist
- Group dental
- Key person insurance
CPF planning
Making sense of your CPF: how it fits into your retirement picture, and where it could be doing more for you.
- CPF Investment Scheme (CPFIS)
- Retirement Sum top-ups
- Medisave-approved Shield Plans
About
Hi, I'm Syarafana
I believe good financial planning starts with understanding, not products. Before we talk plans, I want to know what you're working towards: the family you're providing for, the business you're building, or the age you'd like to stop working.
My job is to make your options clear enough that the decision feels easy. No jargon, no pressure, and no recommendation I can't explain to you in plain English.
The process
What working together looks like
Book a time
Fill in a short form and I'll get back to you within one working day. We can meet over coffee anywhere in Singapore, or on a video call if that's easier.
We talk
Your goals, your budget, and any policies you already hold. Bring them along. I'll lay out your options and explain each one in plain terms. No cost, no obligation.
You decide
Take your time. If a plan fits, I settle the paperwork with you and stay your point of contact for reviews, claims and everything after.
Client reviews
What clients say
★★★★★At first, I had no idea about investment and I realised that I needed someone proficient to guide me about it. I knew Syarafana was the perfect person for it. It was a pleasant and knowledgeable meeting, combined with familiarity and comfort.
★★★★★Met her through a friend last year. She was very patient throughout the whole appointment and her explanations were all very detailed. She kept checking if I understood the plans and did her best to fit my budget.
★★★★★Experience with Syarafana was honestly a good one. Every single detail was shared clearly and with transparency. Would definitely refer her to those who want to know more about insurance and investments.
Before choosing your consultant
Choosing a Prudential financial advisor in Singapore
Know who you are speaking with, whom they represent and what to expect from the conversation. Here are answers to help you decide whether we are a good fit.
How can a Prudential financial advisor help me in Singapore?
I can help you make sense of your existing cover and discuss insurance and protection, savings and investment plans, CPF and retirement planning, and employee benefits. We start with your goals, budget and current policies. My professional designation is Senior Financial Consultant with Prudential Assurance Company Singapore (Pte) Ltd; any product recommendations I make are from Prudential’s range.
How do I verify Syarafana’s representative status?
Open MAS’s Financial Institution Representatives Register and search for FNS300672197. Check the representative’s name, current principal company and listed activities. You can also verify identity through the financial institution’s official channels before sharing personal or financial information.
Is a financial advisor the same as a financial consultant?
People often use “financial advisor”, “financial adviser”, “financial consultant” and “insurance agent” when looking for help with financial planning. A title alone does not tell you which services a person is authorised to provide or which company they represent. My designation is Prudential Senior Financial Consultant. You can read about my background and dated recognition and check my representative record before deciding whether to work together.
Does a consultation cost anything?
The first conversation is complimentary, with no obligation to buy a plan. If further meetings are useful, we will agree the scope and any fees before you proceed. Product premiums and charges are separate and will be explained before a purchase.
Are you tied to one insurer?
Yes. I represent Prudential Assurance Company Singapore (Pte) Ltd. I am not an independent adviser comparing the whole market; my product recommendations are from Prudential’s range. You can verify my representative status on MAS’s official register using Representative No. FNS300672197.
Can we review policies I already have, including other insurers’ plans?
Yes. We can discuss your existing policies and how they fit your circumstances, including possible gaps, overlaps, costs and commitments. A review does not mean you need to replace a policy. Any new product recommendations I make are from Prudential’s range.
What should I prepare for my first conversation?
Start with the questions you want answered and the goals you are working towards. You do not need to send policy documents or financial figures to make an enquiry. If we agree to a fuller review, existing policy summaries and an outline of your commitments can help us have a more useful discussion. See what to expect from a Prudential consultation.
Where and how do we meet?
You can choose a video call or meet in Singapore. We will agree a suitable time, location and duration when arranging the conversation. Sending an enquiry does not reserve an appointment.
Thinking about a career in financial advisory?
I'm growing my team at Prudential. If you're curious what the work is really like, I'm happy to share honestly: the good parts and the hard parts.
Get in touch
Ready when you are
One short form, a reply within a working day, and a conversation with no pressure attached.
Book a free consultation →Practical reading