From AGIF to DSOPF, ECHS to AFGIS, AGIF loan to veteran retirement — every product on this page is built around the rules and entitlements your service actually offers. By advisors who understand the difference.
Book a defence-trained advisorPosting allowances, AGIF, DSOPF and tax planning — career-stage by career-stage from Lt onwards.
Sea-going allowance taxation, NPF + DSOP coordination, deployment-aware family liquidity.
Flying allowance optimisation, AFGIS add-ons, commutation vs lifetime pension modelling.
Defence-specific personal loan with rates and approval timing built around active-service profiles.
Sub-market rates, no collateral, salary-deducted. Officer, JCO and PBOR eligibility + ceilings.
One-time fee, lifetime cover. Hospital list, cashless claim process, gaps, and the right top-up.
Pension + commutation modelling, DSOPF withdrawal sequencing, second-career income planning.
Super-top-up plans that plug ECHS coverage gaps — critical illness, private super-speciality, abroad.
AFGIS / AGIF group cover is a starting point, not the answer. We stack with private term to your need.
Cashless vs reimbursement step-by-step, polyclinic tips, what to do when authorisation stalls.
Goal → risk profile → year-by-year projection. Try it; download the PDF for your own records.
Most aggregators treat a service profile like any other salaried customer. They miss that allowances are taxed differently, that AGIF subscription is a forced contribution that already counts toward FOIR, and that pension commutation has a break-even age that depends on rank and life expectancy. That's the difference.
Free 30-minute call. No commission charged to you. We answer to the customer, not the partner — that's how an honest pension-commutation conversation is supposed to go.
Book a defence-trained advisor