Ratheshan's specialism01Corporate financial planning
Aligning company cash, protection and long-term reserves with where the business is heading, from first hire to expansion.
All team members
REP NO. MR-300524825
REP NO. MR-300524825Leadership · Affinity Group
RatheshanManickaratnam
Senior Financial Services Manager
Employee Benefits & GIBusiness ProtectionLife & Health
Ratheshan is a Senior Financial Services Manager who brings a steady, consultative approach to Affinity's Employee Benefits and General Insurance work. Advising since 2018 and an MDRT qualifier in 2023 and 2024, he believes the best corporate cover starts with understanding how a business actually runs — its people, its risks and its ambitions — before a single product is discussed. From group medical and term life to commercial general insurance and business protection, Ratheshan structures programmes that are competitive today and sustainable as the company grows, then stays close through renewals and claims. His guiding idea is simple: make it simple, and create a better understanding for everyone. Every client he meets, he says, teaches him something new.
“Make it simple. Create a better understanding for all.”
In Ratheshan's words
WA +65 9090 1873Ratheshan.M@infinityfa.com.sg
Credentials & recognition
Recognised, year after year.
Ratheshan's designations and industry honours — every one of them earned since starting in 2018.
Million Dollar Round Table
2 consecutive years · 2023–20242023MDRT
2024MDRT
2× MDRT
Behind the role
What Ratheshan brings to the branch.
Areas of advice
Financial Protection PlanningLife & Health InsuranceBusiness Protection PlanningEmployee Benefits & Corporate Solutions
On stage
Ratheshan at our events.
An event where Ratheshan spoke, hosted or shared — watch the highlights right here.
See every event highlight, by theme, on the events page.
How we can help
Conversations Ratheshan can guide you through.
Ratheshan specialises in insurance advisory, corporate financial planning and business valuation, and is backed by specialist pathways across the branch for everything else.
Ratheshan's specialism01
Ratheshan's specialism02Business valuation
Understanding what your business is worth today, so buy-sell agreements, funding and succession are built on real numbers.
Ratheshan's specialism03Cash flow management
Smoothing the peaks and troughs of receivables, payroll and reserves so growth never runs out of runway.
Ratheshan's specialism04Debt management
Structuring loans and liabilities sensibly, with protection in place so debt never lands on family or partners.
Ratheshan's specialism05Employee benefits planning
Group hospitalisation, term life, outpatient and dental plans that help you attract and keep good people at a cost that makes sense.
Ratheshan's specialism06Risk management & business insurance
Keyman, buy-sell funding, property, liability and general insurance, mapped to the risks that could actually stop your operations.
Ratheshan's specialism07Succession planning
Preparing the next generation or the next owner, so the business, its people and its value outlast any one person.
More of the team
