About Me
Lakshan.
Financial Consultant · Prudential
When I was 17, my dad had to undergo major surgery for coronary heart disease. He was in a blue-collar role, and when the income stopped, everything changed. Even after he recovered, he couldn't go back to the same work — he ended up in a lower-paying job just to keep us moving.
We had some insurance, and the payout helped, but it was just a fraction of what we needed. No one had ever mapped out the gap between having a policy and being truly protected. By the time we realised we were underinsured, he had developed diabetes — and he could no longer get more coverage.
We drained our savings. I remember watching my parents stretch every dollar — so I stopped asking them for anything and put myself through my education on my own. It wasn't because they were careless. They worked harder than anyone I knew. It was just that no one had sat them down early enough to explain the math of a worst-case scenario.
"That's the perspective I bring when I sit down with someone. My goal is to make sure that if life throws a curveball at you or the people you care about, you aren't left figuring it out the hard way."
Verified
Credentials &
Designations.
Industry-recognised qualifications earned through rigorous study and professional commitment.
Computer Science
SMU
The Practice Behind Me
Agency Philosophy.
HCT Associates · Founding Principle
"Do well by doing good."
How We Work · Three Commitments to Every Client
Service
First
Most agents spend 90% of their time finding new clients and 10% servicing. We flip that entirely — our existing clients come first, always.
Portfolio
Stewardship
We look after each portfolio tightly and proactively. Annual reviews, policy updates, claims support — we are always in your corner.
Beyond
the Sale
As Han likes to say: any monkey can sell, but not many can service. Our measure of success is how well we look after you long term.
Working Together · How We Partner
Our Commitment
to You.
Three things every client of mine can count on, from day one.
You are the priority. We don't just manage portfolios — we look after people. Here is exactly what you can expect when we work together.
HCT Associates · Prudential Singapore
Our Commitment
Tailored to Your Story
We map your financial plan around your family dynamic, your personal goals, and your timeline. Because we listen intently, every review we conduct is completely specific to your life — never a template, never a generic recommendation.
Our Commitment
Forward-Looking Guidance
Life moves fast, and your financial strategy should move with it. We initiate regular, ongoing check-ins so your coverage adapts smoothly as your world changes — ensuring you are never caught unprepared.
Our Commitment
A Team Behind Your Advisor
When you partner with me, you gain the focus of an individual advisor alongside the structural backing of an established agency. You benefit from a deep network of collective experience dedicated to your security.
My Mentor & Agency
The Shoulders I Stand On.
Han Chi Teng
Senior Director · HCT Associates · Prudential Singapore
Han Chi Teng entered financial planning in 2006 and has built a reputation for a deeply people-first approach. With over 20 years of experience, he has received the Rookie of the Year Award and the highest MDRT honour — Top of the Table.
Beyond financial planning, Han guides clients through personality profiling, career direction, and mindset development. His belief: when you truly understand someone's values and goals, the financial plan writes itself.
Top of
the Table
Rookie of
the Year
20+ Years
Est. 2006
Featured on
Million Dollar Round Table
Top of the Table — awarded to the top 1% of MDRT members — is the highest honour in the industry.
MDRT · Top of the Table
When you truly understand someone's values and goals, the financial plan writes itself.
Han Chi Teng
Senior Director · HCT Associates
Get in Touch
Let's Talk
About Your Future.
Whether you have a question, want to start a plan, or just want to understand your options — I'm here. Fill in the form and I'll get back to you within 24 hours.