In the insurance industry, we specialise in protecting against the unpredictable. From car and home insurance to health coverage, we safeguard people against life’s many uncertainties. We manage the “what-ifs” so customers can rest easier.

Yet as I navigate the fast-paced landscape of Singapore’s financial sector, I’ve come to realise that the most effective hedge against volatility isn’t a product we sell. It’s a skill we often overlook: gratitude.

Gratitude as a Psychological Hedge Against Uncertainty

Gratitude is our psychological hedge against uncertainty. It costs nothing, yet its returns compound endlessly.

Think of gratitude as an emergency fund for the mind. When we practice thankfulness, we aren’t simply being polite. We are actively building resilience. Gratitude allows us to face a crisis and see not only what was lost, but also what remains. It may not change the circumstances, but it transforms how we move through them.

Finding Balance Between Future Security and Present Prosperity

In our pursuit for future financial security, we can easily overlook present prosperity. Gratitude restores balance. It helps us recognise richness in a shared meal, calm in a quiet commute, and contentment in small, everyday moments. In a world constantly urging us to want more, gratitude cultivates a sense of “enough”. It doesn’t kill ambition, but makes ambition healthy and more grounded.

Underwrite Your Own “Policy” for Daily Well-Being

Underwrite your own “policy” today. At Etiqa, we are committed to Live Ready With You, protecting your tomorrow. But for daily joy where no contract can guarantee, gratitude is the investment that pays the most consistent dividends.

Start simply. Each night, name three specific things you are thankful for. This small practice is one of the most reliable ways to ensure that, no matter how turbulent life becomes, our foundation remain unshakable.

This article is contributed by Ms Shirley Tan, Chief Marketing Officer, Etiqa Insurance Singapore