3 Ways To Better Prepare Ourselves Against Accidental Death

Death is a sad but inevitable part of life – something that we try not to think about or dwell on under normal circumstances. When death comes at the end of a long lifethere’s some sort of closure that we can accept; after all, it will come for all of us at one time or another (But accidental deaths are sudden, shocking, and feel total unnatural, prolonging the grief process substantially.

An accidental death is defined as a loss of life due situations such as traffic accidents, slipping and falling, accidental poisonings, etc. This sets the circumstances of death apart from natural causes such as diseases or old age, and intentional homicide and suicide.

In 2019, Singapore was buzzing with news around the number of fatalities involving personal mobility devices (PMDs), such as the 65-year old cyclist collision, the 41-year old man who died from burn injuries after a charging PMD exploded, and a 23-year old who died from falling off his PMD in East Coast (Budget Direct, 20201). Each of these tragic incidents happened without any forewarning.

Because of its sudden nature, accidental deaths can take an even larger toll on the family members who are left behind both emotionally and financially. There are some simple ways that you can not only prepare but also work to prevent an accidental death from interrupting your or a loved one’s life.

Here are three easy things you can do now in order to be better prepared for the unknown in the future:

Be Aware of Your Surroundings & Risk Factors

In order to fully be prepared for an accident you must first be aware of the types of risks you are exposing yourself to in every situation. That includes potential hazards, possible danger, and consequences for all your actions and decisions. For example, if you are going to use a PMD to get to and from places, you must accept that you’re placing yourself at risk for a traffic incident.

However, it’s just as important to protect not just yourself but others as well. In work environments, employees should exhibit good hygiene and safety for both themselves and their colleagues. As the recent spread of COVID-19 has shown, it’s easier than ever for a deadly disease to travel if proper safety isn’t practiced. To prevent it from continuing to spread, it’s essential to clean your hands with soap and water or use an alcohol-based wipe or sanitizer (World Health Organization, 20192).

Organize Important Documents and Keep in a Centralized Location

In the case of an emergency, the steps that happen after the accident must be done quickly. Whether that is calling an ambulance, reaching out to loved ones, or worse – arranging end-of-life services, there is essential documentation that should be organized and in an easy to find place for your loved ones. These documents many include health or vehicle insurance, medical records, final wishes, or other important pieces of information. Save your family the trouble of trying to find each piece of the puzzle and keep all important documentation involving health, policies, and insurance in one location, whether that’s a physical or digital space.

Secure your Future

It’s never too early to start planning on securing your future - but if you’re not sure how to find one that fits your life best, let me help to get you started.

  • LifeReady Plus:
    This plan will cover you throughout your life against death, total permanent disability, and terminal illness. You have the option to enhance this coverage up to five times. T&Cs apply. For more information, please refer to LifeReady Plus.
  • ManuInvest Duo:
    This is a plan that meets your wealth accumulation and protection goals, with options to choose to your coverage up to 100 times your annual premium. T&Cs apply. For more information, please refer to ManuInvest Duo.
  • ManuProtect Term:
    This is an affordable plan with conversion privilege that covers against death and terminal illness up to the age of 85. T&Cs apply. For more information, please refer to ManuProtect Term.
  • ReadyProtect:
    This is an affordable personal accident plan with coverage up to a million dollars. Get double the pay-out in the event of an accident in public transportation, and coverage for up to 21 infectious diseases. T&Cs apply. For more information, please refer to ReadyProtect.

Being prepared for unexpected circumstances is easier than you think. By putting the necessary steps into place, you can ensure that both you and your loved ones are cared for in the case of an emergency. Let us make sure you’re prepared in every way possible.


These insurance products are underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No. 198002116D). This advertisement has not been reviewed by the Monetary Authority of Singapore. Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be zero or less than the total premiums paid. Buying health insurance products that are unsuitable for you may affect your ability to finance your future healthcare needs. This advertisement is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You can find the full terms and conditions, details, and exclusions for the mentioned insurance product(s) in the policy contract.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the LIA or SDIC web-sites ( or

We recommend that you seek advice from a Manulife Financial Consultant or its Appointed Distributors before making a commitment to purchase a policy.

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Content Sources
1 - Budget Direct (January 2020), Road Accident Statistics (Singapore 2020), retrieved from
2 - World Health Organization (December 2019), Basic Protective Measures Against the New Coronavirus, retrieved from