Mind the Gap: The 3 Types of Clients You’re Probably Neglecting

[This article was generated by ChatGPT and has been edited by the Surer team for clarity, readability and context.]

You know your regulars. The ones who WhatsApp you before Chinese New Year asking if they need to buy travel insurance for Bangkok. But what about the clients you don’t usually think about?

Let’s talk about the hidden goldmines in your portfolio.

1. Young Families (Ages 30–40)
This group is:

• Upgrading from BTO to resale or EC
• Having their first kid
• Getting serious about life admin

They’re digital-savvy and appreciate speed, transparency, and clear comparisons. Yet many remain underinsured because they’ve never had someone walk them through their options.

Tip: Offer bundled packages for home, life, and personal accident. These appeal to young families who want simplicity and value.

2. Self-Employed Hustlers
Think: real estate agents, yoga instructors, home bakers. These microbusiness owners often:

• Use personal items for business (e.g. laptops, ovens)
• Lack income protection
• Don’t have employer-sponsored insurance

Most don’t even realise they need tailored protection. Position yourself as their “insurance advisor for life and work.”

3. HDB Upgraders Moving to Private Property
This segment often:

• Under-insures their new home
• Overlooks MCST and liability issues
• Needs mortgage protection adjusted to new terms

Quick Fix: Segment Radar
Build a simple tracker:

• Column 1: Client name
• Column 2: Life stage
• Column 3: Current coverage
• Column 4: Gaps/opportunities

Use this to send targeted messages like: “Saw you recently moved—need help checking if your new home is fully protected?”

Sometimes, your biggest opportunities aren’t new leads—they’re old clients in new life stages.