Best Term Insurance Plan(Do Not Solicit for Pm)

mSnooze

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May i have a quote on

Level Term - Male, Jan 1986, non smoker
500k death/tpd + 300k CI
Till Age 70
Till Age 75
Till Age 80

Let me know which insurer is this

For your profile,

500k death/tpd + 300k ci
Till age 70: $1,453/year.
Till age 75: $1,618.85/year.
Till age 80: $2,223.55/year.
Aviva - MyProtectorTermPlan

Hi, Can I have quotes for this.

Male Non-smoker ANB 27:
500k Death/Tpd + 250k Accelerated CI till 65/70/75 years.

Also for these:
50k & 100k Standalone ECI till 65 years
(Looking at Aviva Multipay specifically, open to others though)

Thanks!

For your profile,
500k death/tpd + 250k Ci
Till age 65: $863.50/year.
Till age 70: $978.65/year.
Till age 75: $1,094.15/year.
Aviva - MyProtectorTermPlan

50k Multipay CI
Till age 65: $410.50/year.

100k Multipay CI
Till age 65: $821/year.
 

ZEBRA85

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Hi need quotes for female 1985 and male 1981 both non smoker for 65, 70, 75

500k death/tpd + 250k Ci
700k death/tpd + 250k Ci
700k death/tpd + 350k Ci

For the CI quote here, at which stage can be claim? Please also quotes for ECI of 100k and 200k.

If I have exclusion, can I still buy term?
 

mSnooze

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Hi need quotes for female 1985 and male 1981 both non smoker for 65, 70, 75

500k death/tpd + 250k Ci
700k death/tpd + 250k Ci
700k death/tpd + 350k Ci

For the CI quote here, at which stage can be claim? Please also quotes for ECI of 100k and 200k.

If I have exclusion, can I still buy term?

Female, ANB 32, Non-Smoker
500k death/tpd + 250k Ci
To 65: $931.25/year.
To 70: $1,124.15/year.
To 75: $1,243.05/year.

700k death/tpd + 250k Ci
To 65: $1,129.80/year.
To 70: $1,372.25/year.
To 75: $1,526.70/year.

700k death/tpd + 350k Ci
To 65: $1,303.75/year.
To 70: $1,573.85/year.
To 75: $1,740.25/year.

Male, ANB 36, Non-Smoker
500k death/tpd + 250k Ci
To 65: $1,437.55/year.
To 70: $1,662.05/year.
To 75: $2,071.05/year.

700k death/tpd + 250k Ci
To 65: $1,760.95/year.
To 70: $2,054.40/year.
To 75: $2,589.25/year.

700k death/tpd + 350k Ci
To 65: $2,012.60/year.
To 70: $2,326.90/year.
To 75: $2,899.45/year.

CI quoted are for Severe stage CI, (Stage 3 and 4).

Female, Age Next Birthday 32, Non-Smoker
Multipay CI
To 65
$100k: $1,213/year.
$200k: $2,426/year.

Male, Age Next Birthday 36, Non-Smoker
Multipay CI
To 65
$100k: $1,109/year.
$200k: $2,218/year.


What exclusion do you have? It will be subjected to underwriting and there are several different outcomes which may happen.
 
Last edited:

ZEBRA85

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100k multipay means coverage for early CI is only 100k?

Can you quote me for term 1986 male non smoker

250k death/tpd + 250k Ci + early CI 250k

500k 500k death/tpd + 250k Ci

250 ECI

For 65, 70, 75


Female, ANB 32, Non-Smoker
500k death/tpd + 250k Ci
To 65: $931.25/year.
To 70: $1,124.15/year.
To 75: $1,243.05/year.

700k death/tpd + 250k Ci
To 65: $1,129.80/year.
To 70: $1,372.25/year.
To 75: $1,526.70/year.

700k death/tpd + 350k Ci
To 65: $1,303.75/year.
To 70: $1,573.85/year.
To 75: $1,740.25/year.

Male, ANB 36, Non-Smoker
500k death/tpd + 250k Ci
To 65: $1,437.55/year.
To 70: $1,662.05/year.
To 75: $2,071.05/year.

700k death/tpd + 250k Ci
To 65: $1,760.95/year.
To 70: $2,054.40/year.
To 75: $2,589.25/year.

700k death/tpd + 350k Ci
To 65: $2,012.60/year.
To 70: $2,326.90/year.
To 75: $2,899.45/year.

CI quoted are for Severe stage CI, (Stage 3 and 4).

Female, Age Next Birthday 32, Non-Smoker
Multipay CI
To 65
$100k: $1,213/year.
$200k: $2,426/year.

Male, Age Next Birthday 36, Non-Smoker
Multipay CI
To 65
$100k: $1,109/year.
$200k: $2,218/year.


What exclusion do you have? It will be subjected to underwriting and there are several different outcomes which may happen.
 

Tsuyoshi

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Hi - looking at aviva multipay which is include cover for eci and ci
My understanding is it is premium is fixed till the expiry date odeoending on how long you signed?

Intending to take up as standalone plan as I have coverage for all others from other insurers.

Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?

Male, ANB 32, Non smoker
Looking at quotes for 70,75,80 for amount 100k,150k and 200k
 

Bigoya

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Hi - looking at aviva multipay which is include cover for eci and ci
My understanding is it is premium is fixed till the expiry date odeoending on how long you signed?

Intending to take up as standalone plan as I have coverage for all others from other insurers.

Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?

Male, ANB 32, Non smoker
Looking at quotes for 70,75,80 for amount 100k,150k and 200k

Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr
 
Last edited:

mSnooze

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Hi - looking at aviva multipay which is include cover for eci and ci
My understanding is it is premium is fixed till the expiry date odeoending on how long you signed?

Intending to take up as standalone plan as I have coverage for all others from other insurers.

Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?

Male, ANB 32, Non smoker
Looking at quotes for 70,75,80 for amount 100k,150k and 200k

Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr

To add on,

$150k SA
To age 65: $1,443/year.
To age 70: $1,822.50/year.
To age 75: $2,347.50/year.
To age 80: $2,874/year.

Can i get a quote

500k death 250k accelerated CI till age 65

Age 26

And which company

Assuming you are Male, and ANB 27, Non-smoker,

$500k death/tpd, $250k Accelerated CI
Till age 65: $863.50/year.
Aviva MyProtector Term Plan.
 

kennethtk

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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You
 

mSnooze

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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You

Hi,

For Male, ANB 29, Non-Smoker,
$500k death/tpd with $250k Accelerated CI
Till age 65: $919.40/year.

For Female, ANB 27, Non-Smoker,
$500k death/tpd with $250k Accelerated CI
Till age 65: $760.35/year.

Quote from Aviva - MyProtectorTermPlan
 

bntyl777

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Can i get a quote

250k death/tpd/CI with additional 250k death/tpd (total coverage for death/tpd is 500k) till age 65

ANB 29 Male Non Smoker
ANB 27 Female Non Smoker

And which company
Any riders I can look out for which might benefit? no need accident.

Thank You

always good to add in CI waiver in any insurance plans.
 

parkgreen

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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!
 

mSnooze

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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!

For your profile,

500k Death/tpd and 250k CI
Till 65: $1,796.45/year.

$500k Death/tpd and 200k Early CI
Till 65: $3,301.45/year.

$500k Death/tpd and 100k Multipay CI
Till 65: $2,220.45/year.

500k Death/tpd, 250k CI and 100k Multipay CI
Till 65: $3,099.45/year.


Multipay CI is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early/intermediate stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
 
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xtwis7

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Male, non smoker, next birthday 41 year old

Can I have a quote for
1) 500k death and TPD with 200k critical illness till 65 yr old
2) 500k death and TPD with 200k early critical illness till 65 yr old ?

Many thanks!

Option 1: $2012/yr
Option 2: $3782/yr

Quotes from GE.
 

Bigoya

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non smoker female turning 27 in August

500k death, tpd and ci
1m death, tpd, 500k ci

level term till 75.

quotes plz thanks

Welcome back, TS.

500k death, tpd and ci - $1307.85/yr
1m death, tpd, 500k ci - $1617.60/yr
Alternattively, 1m death, tpd, 500k ci (till age 65) - $1373.20/yr

3 yrs liao you're still not properly covered?
 
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Tsuyoshi

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Thanks for getting back guys. To be honest, what would be the best ECI AND CI coverage standalone plan in the market now?




Hi bro, premium of Multipay is level but non-guaranteed. Premiums may be adjusted based on future claims experience. And yes, premium cost is based on your policy term.

"Compared to taking up a AViva GPA of 200k and 200k eci (living care plus) and 200k CI (living care).... is this better or multipay?"

There isn't a straight forward answer as we ain't comparing apple to apple here.

Multipay is a plan that could pay you up to 5x sum assured.
100% payout for each CI diagnosed at its early stage, up to 2 ECIs.
3x of Sum Assured upon diagnosis of CI at severe stage, less claims already paid.
Pays a further up to 2x Sum Assured as Rediagnosed Cancer Benefit.
There are also other misc. benefits which I would omit from the picture for now.

You'd need to determine how much risk you're exposed to in order to work out a reasonable sum assured to leverage on.


$100k SA to age 65 - $962/yr
$100k SA to age 70 - $1215/yr
$100k SA to age 75 - $1565/yr
$100k SA to age 80 - $1916/yr

$200k SA to age 65 - $1924/yr
$200k SA to age 70 - $2430/yr
$200k SA to age 75 - $3130/yr
$200k SA to age 75 - $3832/yr
 
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