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Best Term Insurance Plan(Do Not Solicit for Pm)

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Old 22-02-2014, 01:29 PM   #16
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Last post on this thread, I'm not here to offend people and start arguments but we really have to be realistic and fair here to everyone. How do you judge a person when you don't even know them at all?

Hope all of us can be more matured here and be responsible to what we say. I've great respect for some here who had been truthful to their views and back them up with basis. These are the ones who really helped others a lot. But there are some who just can't.

Peace! Have a nice day everyone, hope I did not hit anyone spot on with my comments.
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Old 22-02-2014, 01:35 PM   #17
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Read my post carefully. I did not say you didn't. It was a question asking whether any attempts have been made to educate or inform.

Apparently your first reply to an unaware prospect was just a commendation that he got the best WL plan. Sorry but i don't see any attempts made. If you did, then keep up the good work.

And if investments is really like what you've said, no-brainer, there will be no poor people anymore. Why would people still go bankrupt because of investment?
Are you sure you know the right way of doing it? Bankrupt?
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Old 22-02-2014, 05:24 PM   #18
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Calm down guys ha

For $250, that's my budget right now. I was also wondering if life plan is useful if I can have term with better coverage. Especially since pruterm offers till 99. However I do realize it doesn't provide CI cover.

Term wise, quite curious with $250, what's the best if include CI as a rider.

And I personally don't think I only need term till 65, like many agents seem to suggest. I would think that age and beyond is a vulnerable stage. While 99 might seem abit too much for some, I have the option of cutting it at 75 or anytime before 99 when I don't feel the need for it.

It's better than getting till 65, and then left with nothing don't you think?
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Old 22-02-2014, 06:16 PM   #19
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Calm down guys ha

For $250, that's my budget right now. I was also wondering if life plan is useful if I can have term with better coverage. Especially since pruterm offers till 99. However I do realize it doesn't provide CI cover.

Term wise, quite curious with $250, what's the best if include CI as a rider.

And I personally don't think I only need term till 65, like many agents seem to suggest. I would think that age and beyond is a vulnerable stage. While 99 might seem abit too much for some, I have the option of cutting it at 75 or anytime before 99 when I don't feel the need for it.

It's better than getting till 65, and then left with nothing don't you think?
For PRUterm vantage, it does provide CI cover.
Based on your age, 500k sum assured for Death till 99, 500k TPD till 65, and 250k accelerated CI till 70, monthly is abt $163.

Of cause you can increase the term for your CI coverage or reduce the term for death coverage. all solely depends on your what you want.
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Old 22-02-2014, 06:52 PM   #20
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For PRUterm vantage, it does provide CI cover.
Based on your age, 500k sum assured for Death till 99, 500k TPD till 65, and 250k accelerated CI till 70, monthly is abt $163.

Of cause you can increase the term for your CI coverage or reduce the term for death coverage. all solely depends on your what you want.
Oh only for $163? That's good to hear.
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Old 22-02-2014, 09:02 PM   #21
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I appreciate the privates with the quotes.

Half a million cover for death and CI up to 85 years old. And TPD up to 70. All for $238. TM

Really curious abt Pruterm Vantage. TM's plan sounds good because CI is up to 85 years, good price it seems. The pruterm offers only 250k for CI and up to 70.

Anyone knows of any better than TM at the moment.

AXA quoted up to age 65 also, but a million, for all 3 at a similar price range

Im thinking of age 85 for CI/death and half a million coverage for all 3
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Old 23-02-2014, 12:36 AM   #22
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I appreciate the privates with the quotes.

Half a million cover for death and CI up to 85 years old. And TPD up to 70. All for $238. TM

Really curious abt Pruterm Vantage. TM's plan sounds good because CI is up to 85 years, good price it seems. The pruterm offers only 250k for CI and up to 70.

Anyone knows of any better than TM at the moment.

AXA quoted up to age 65 also, but a million, for all 3 at a similar price range

Im thinking of age 85 for CI/death and half a million coverage for all 3
by 70 year old...i would have paid 199k....hmmmmm
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Old 23-02-2014, 08:48 AM   #23
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If anyone can help, i also want an insurance policy for my dad, age 54 smoker. this is really important because they (my mum too, heard aviva has for both man and spouse) never had insurance.

What is the most affordable policy that will cover him till say 80-85 years (basically 30 years from now). He is a smoker so heard its more ex..

I had forced them to get 100% insurance already 2 years ago so at least covered on one end. Maybe that would suffice?

Last edited by cookieemonsterr; 23-02-2014 at 09:05 AM..
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Old 23-02-2014, 09:20 AM   #24
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Anyone mind advising on the SAF Aviva Group Term insurance? Is it good? Good enough to keep holding on to it pass your ORD?

How much is adequate? Currently I just a chao recruit
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Old 23-02-2014, 11:00 AM   #25
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Aviva had a promotion last year. Not sure if it's still on going. 40 year term until you're 65, $1 million coverage (death and tpd) and CI waiver. Premium was $1041 per year.
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Old 23-02-2014, 11:09 AM   #26
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I appreciate the privates with the quotes.

Half a million cover for death and CI up to 85 years old. And TPD up to 70. All for $238. TM

Really curious abt Pruterm Vantage. TM's plan sounds good because CI is up to 85 years, good price it seems. The pruterm offers only 250k for CI and up to 70.

Anyone knows of any better than TM at the moment.

AXA quoted up to age 65 also, but a million, for all 3 at a similar price range

Im thinking of age 85 for CI/death and half a million coverage for all 3
TM quote is for TM enhanced term assurance???
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Old 23-02-2014, 11:17 AM   #27
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by 70 year old...i would have paid 199k....hmmmmm
amount of premium will reduced due to inflation... so does yr coverage.
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Old 23-02-2014, 11:27 AM   #28
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TM quote is for TM enhanced term assurance???
Didnt ask the plan name. Sorry
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Old 23-02-2014, 11:29 AM   #29
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amount of premium will reduced due to inflation... so does yr coverage.
That was what I was thinking, it is better to get high coverage now and drag payment rather than get low coverage and pay within 25 years for life coverage.

The low life coverage would be too small in 60/70 years time.

ideally I would get both, I was thinking get term till 85. And then also get a life for anything beyond. Just abit of cover after 85, especially since I should have medisave, medishield, prushield 100% (costly but no choice, unless govt continues its pioneer generation policies ha) and fully paid house etc. It will just be me and my wife. Shouldnt this suffice?

Last edited by cookieemonsterr; 23-02-2014 at 11:33 AM..
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Old 23-02-2014, 11:31 AM   #30
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That was what I was thinking, it is better to get high coverage now and drag payment rather than get low coverage and pay within 25 years for life coverage.

The low life coverage would be too small in 60/70 years time.
from my calculation based on my age (26 yr old), 500k will drop to become around 82k with 3% inflation at the age of 85. likewise, total premium paid will be 55k with 3% inflation.
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