Tokio Marine Life Insurance Gives Me Peace of Mind for as little as $1 a day

Parents always worry about their children, especially in situations they can’t control. What fear has plagued you the most as a parent, and has anything helped you overcome it?

My biggest fear is not being able to protect Edison when he’s in danger, not being able to take care of him when he’s sick, and not being able to prepare him adequately for his future (especially when I’m no longer around in this world).


Since I became a parent, I realised that I’m no longer only responsible for myself, but there is someone who will need my protection for at least the first 18 years of his life. I’ve to deal with life uncertainties and ensure that we’re well-covered in the most prudent way possible. I certainly do not want to be caught in a situation more dire than I could have anticipated.

Most people won’t claim buying insurance as their favourite thing to do. To be honest, I don’t like dealing with numbers and reading numerous plans that don’t interest me in the very least. I also don’t want to be caught in a situation where I’m not covered for certain things because I didn’t ask about the details.

I bought my first insurance policy at the age of 25!

At that time, I thought of my mother who is a housewife her whole life with no income or savings of her own. If anything were to happen to me, I won’t be able to provide her with financial support. I realised that life insurance is a necessity that I can’t ignore. It provides financial security for my mum at a time she needs it most. And that was my first love letter for her.

Life insurance, to me, is like a love letter!

When you love someone, it’s the little things that make a difference like putting a nutritious dinner on the table, spending a day-out together, and listening to them talk about his or her day. It’s also about protecting them when you’re not around, providing financial security, and keeping their best interests in mind, even if they are too young to know what that means.

Life insurance gives me a peace of mind for life’s uncertainties, and it’s a way of showing my love to my loved ones. Therefore, I’m glad to say that it has helped me to overcome the biggest parenting fears that I’ve mentioned above.

As a leading life insurer with strong historical investment returns, I proudly select Tokio Marine as my insurer of choice. Tokio Marine is also a customer-first organisation who constantly delivers solid financial plans, along with honest and genuine servicing that I truly appreciate.

Based on a research study from the Life Insurance Association (LIA), an average working Singaporean would require at least S$626,000 to meet their Protection needs. This means an average Singaporean should aim to have approx. 10 times of their annual earnings as a basic life cover. At the same time, health care costs have increased over recent years.

With this in mind, Tokio Marine has TWO insurance products that are perfect for working adults as well as parents like us. Now, let me briefly share them with you.

Combat Hair Loss with TK TrichoKare

TK TrichoKare Compass One

TrichoKare is the leading Trichological Centre in Singapore that provides customised premium European herbal hair remedies validated by certified trichologists. Enriched with 13 years of experience in providing personalised hair treatments, TrichoKare offers professional advice combined with advanced technology to promote healthy hair growth, as well as to restore and revive the scalp to its natural optimal stage.

When TrichoKare invited me to try out their award-winning Hair Fall Prevention Treatment, I had mixed feelings. Don’t get me wrong, I’ve no doubt in the treatment. In fact, I’m dying to try it! As I’m dropping more hair than before, I know that I’ve to do something about it before I turn bald. However, I’m too embarrassed to show my hair problems to the public.

So, I convinced myself to try it and stop feeling embarrassed about my hair loss. After all, hair loss is a very common condition that affects most people at some time in their lives.

How Trichology can boost the health of our scalp and hair

Trichology is the medical term for the study of the hair (and scalp) and all problems related to them. A ‘trichologist’ is someone who specialises in hair loss problems such as baldness, hair breakage, thinning hair, dandruff conditions, and itchy/flaking scalp. He or she often takes a holistic approach to treating various hair problems, taking into account the client’s lifestyle, diet and general well-being.

At TrichoKare, a trichologist performs a full analysis of the scalp and hair, using lenses that could magnify up to 200 times, to evaluate problems and recommends the best suitable treatment program to address individual needs.


Personally, I was drawn to TrichoKare because they use natural remedy (European herbal hair remedy) that is free from harsh chemicals to promote healthy hair growth. Even celebrities such as Xiaxue, Mediacorp’s Jay Nesh and Anand have visited TrichoKare to get their hair problems solved.

Additionally, TrichoKare has received numerous awards in the hair categories – despite the stiff competition in hair business. Therefore, I’m convinced that TrichoKare is highly effective in promoting healthy hair growth as well as preventing hair fall and hair loss.

  • ELLE Beauty Treat List 2017 – Best Anti-Hair Loss Treatment
  • Her World Spa Awards 2016 – Best Treatment For Damaged Hair
  • Harper’s BAZAAR Hair Awards 2016 – Best Anti-Hair Fall Therapy
  • Women’s Weekly Hair Awards 2016 – Best Anti-Dandruff Treatment

Japanese Skincare Review: “Parunos” by k.k. IBC Research & Laboratory

We all know that Japanese women are renowned for their ageless beauty. You may have known a number of popular Japanese brands, but today I want to introduce a new brand called Parunos to you. I’ve recently fallen in love with it. ^__^ Their products are a standout for me because they are simple, high quality, and I’ve had GOOD results!


About the brand: Backed by over half century of research by the founder (Researcher and Technician) and used by many loyal users, Parunos is an organic skincare product developed by k.k. IBC Research & Laboratory Japan using natural ingredients with no scent, mineral oil, alcohol or colouring.

Developed from a scientific basis of the relationship between effective natural ingredient and physiology of the skin, the products strengthen our skin’s barrier function and enhance its self-regeneration function to keep our skin beautiful, youthful and healthy. They are safe for the most delicate skin.

My Review: I’ve been using these 4 products in the basic skincare range for two weeks now – Face Clean Jell, Moisture Lotion, Essence and Moisture Jell, and it’s super easy to follow their beauty regime. Now, I’d share my impressions of these products.

Parunos Skincare Set

Parunos Face Clean Jell, 120mL, US$32.00

Multitaskers rejoice! Parunos Face Clean Jell is a 2-in-1 facial cleaner and make-up remover. It has a thick but soft consistency and spreads effortlessly on my face. It effectively melts my non-waterproof makeup. When I add some water, it turns slightly milky.

The cleansing gel removes dirt, make-up, bacteria and dead skin cells without the need for double-cleansing. It’s certainly my saviour for the late nights when I want to wash my face in the fastest mode possible so that I can rest early.

Face Clean Jell 1

How to use:
  • It is recommended that water-proof makeup and lipstick to be removed using make-up remover prior cleansing.
  • Lightly pre-wash your face with warm water.
  • Use a cherry size amount and spread it on the entire face from the T-zone to U-zone in circular motions.
  • Once the gel is well adapt, rinse with warm water up to a degree of no slimy feel.
Tips on how to use the gel better!
  • The gel is so soft so it can be used even without pre-wash, but pre-wash makes the cleansing more effective.
  • You can adjust the amount while observing your skin condition. If you use too much, you could dry off your skin due to decreased in sebum production.
  • Scrubbing could damage your skin. So, please rinse carefully and ensure that your skin is moistened.

This water-soluble gel has a moisturizing effect that leaves the skin thoroughly cleansed and moist. It uses ingredients such as glycerine and carbomer (also used in high-grade medical care), as well as other plant-based ingredients to moisturize, protect and clarify our skin.

Unlike other foam cleansers, Parunos Face Clean Jell doesn’t leave me with that dry, tight feeling on my skin after rinsing. My skin feels so fresh, clean and moisturized after washing. So, I really like it! =)

The gel is SO gentle on my skin, and it’s suitable for sensitive and rough skin too.

BioLift Instant Wrinkle Lift Serum: Fast & Visible Anti-Aging Results

Wish you could look younger without a single painful or expensive cosmetic procedure? Well, now you can! Today, I’m going to introduce a revolutionary breakthrough in skincare that works before your very eyes. BioLift Instant Wrinkle Lift Serum can visibly redefine, smoothen and lift facial contours in just minutes.

Read on to see how it works for me.

BioLift Instant Wrinkle Lift Serum

BioLift Box

Product Benefits:

BioLift Instant Wrinkle Lift Serum instantly helps to:
  • Dramatically diminish the appearance of fine lines and wrinkles
  • Visibly improve the look of crow’s feet and under-eye puffiness
  • Tighten and minimize the appearance of pores
  • Redefine and smooth facial contours

The serum also provides long term age-defying benefits and brighten overall complexion.

Key Ingredients:

Biolift Instant Wrinkle Lift Serum

Getting to know the key ingredients is of utmost importance, since you’d want to know its effectiveness. I was amazed to discover that the key ingredient in BioLift Instant Wrinkle Lift Serum is Argeline.

Argeline is a unique anti-aging peptide that works just like Botox to provide fast and stunning results – without the needles. In a clinical study published in the International Journal of Cosmetic Science, Argeline has been shown to reduce the depth of wrinkles by up to 30% after 30 days of use.

Other key ingredients include:

  1. Magnesium Aluminum Silicate – for tightening the skin so that it feels lifted, softer and smoother. The silicates also retract pores in skin.
  2. Pullulan – delivers anti-oxidant as well as an instant lifting effect to smooth out skin imperfections. Long-term use will also help to strengthen the skin.
  3. Licorice Root Extract – provides brightening benefits, balances sebum production and inhibits tyrosinase, the enzyme that triggers melanin production.


Biolift Instant Wrinkle Lift Serum

I love that the serum comes in sachet packaging. Each sachet contains 0.3 mL of serum. It may sound a tad too little, but it’s sufficient to use for the entire face as you only need to gently dab on the lines. This also prevents wastage or over-use, and convenient to carry around, especially if you want to use it as a refresher throughout the day.

Each box of BioLift Instant Wrinkle Lift Serum contains 50 sachets. In general, I just love how the serum is packaged – so elegant, hygienic, and easy to carry around.

Stay Healthy with Kirei Kirei Anti-Bacterial Protection

I’ve always stressed the importance of good hygiene to Edison from a very young age, even though he may not be able to understand me much back then. With creativity and patience, I taught him personal hygiene habits in a very fun way.

My biggest reward? A young hygiene master was born in my family, and he’s no other than our Little Edison. Ha!

Whenever he touches something possibly germy, he’ll wash his hands with anti-bacterial soap without being told. When we’re out, he’ll ask for anti-bacterial sanitizer before he eats. Sometimes, it’s hilarious to see him being so obsessed with hygiene – which is why I jokingly call him a “Hygiene King”.

Most parents would think that giving our kids healthy balanced meals and vitamin supplements are the best way to prevent illness. I might have said this before but staying one step ahead to prevent infections by using anti-bacterial protection is equally important too.

According to the World Health Organization (WHO), proper hand washing can reduce diarrhoeal cases by up to 45%. When children wash their hands, it’s the first line of defence against the spread of many diseases – colds, flu, and other infections.

So everyone, proper hand washing – do it often, do it right!

Kirei Kirei Anti-Bacterial

Our family has been using Kirei Kirei, the No. 1 Hand Soap in Japan, for more than a year now. With Lion Japan’s advanced anti-bacterial formulation, it provides the anti-bacterial protection that is vital for the prevention of infections caused by nasty germs.

What’s so unique about Kirei Kirei, you may wonder. It’s a safe formulation using IPMP (an anti-bacterial ingredient) to provide safe Dual Defence anti-bacterial protection for both body and hands.