Do You Really NEED Insurance In Your 20's? The Problem With “I’ll Get Insurance Later” with Jaden Chua, Wealth Planner

Host Elton sits down with Jaden, a wealth planner, to explain how insurance protects your savings, when young people should prioritise cover, and how to pick an agent who will actually look after your financial future. Key takeaways: 1) Insurance is a wealth-protection tool—don’t use investment gains to pay unexpected medical bills; 2) Start early where possible: basic medical cover, then critical illness and life cover as your liabilities grow; 3) Choose an agent based on responsibility and ongoing service, not just marketing or flashy promises. You’ll hear real claim examples (hospital bills, appendicitis), practical budgeting guidance for fresh graduates, the difference between insurance and investment, and the “inheritance pyramid” that shows why planning matters. Watch to leave with clear next steps: what to prioritise in your coverage, questions to ask an advisor, and how to review policies over time to keep protection aligned with your life stage.00:00:00 - Intro & episode overview00:01:40 - How Elton met Jaden & why trust matters00:03:34 - Wealth protection: "hole in your pocket" & real claim examples00:08:00 - When to start: budgeting and timing for young adults00:12:00 - Policy priorities: medical, critical illness, life00:18:50 - Insurance vs investment and the inheritance pyramid00:28:00 - Choosing an agent, industry realities & closing thoughtsConnect with Jaden onInstagram: https://www.instagram.com/chuashangze/Subscribe to A to Z Podcast, Hosted by Elton, a Zillennial navigating life and career in real-time, the A to Z Podcast dives deeply into the wins, failures, mindset shifts, and everyday moments that shape the Gen-Z journey. Each episode offers honest stories, practical insights, and fresh perspectives designed to empower listeners in business, career, and life—one letter at a time. About the Host Elton! I’m a podcast producer and speaker passionate about bridging generational gaps — especially helping companies understand and engage Gen Z in meaningful ways. Gen Z is here to change the world — but how can we connect them with the people who can truly make change? That’s the challenge I work to solve.I partner with marketing and sales teams to build thought leadership and humanize their brand through strategic podcasting and intergenerational communication. From concept to post-production, I guide clients with clarity, creativity, and consistency.I’ve worked with corporate training organizations like MQ Training and Koo Lily, as well as SHRDC in the manufacturing sector. I’ve produced and contributed to podcasts such as The Asian Century Podcast, 4 Se-Ibu, and A to Z Podcast.Whether you're launching a podcast to grow your audience, improving workplace synergy across generations, or exploring new ways to share your story — I’m here to help.🎤 Let’s connect. I’m always open to collaborating with forward-thinking brands, training providers, and podcast enthusiasts.Connect with the host Eltonhttps://www.linkedin.com/in/elton-lim-/https://www.instagram.com/eltonlim_/https://www.youtube.com/@eltonlimerthong