Critical Illness coverage (CI)

[MaxZ123]

Its popular for people to cover to a certain age that they are comfortable with. No hard and fast rule about which is better or not, all boils down to personal preference!

There are people who wants coverage beyond retirement and for the whole of their life and there are people who wish to get coverage when they are still the support of the family and beyond that, they are fine without leaving anything behind or getting any payouts

Do you need a quotation on the Multipay?

I see. I do have the quote for the Aviva Multipay. hank you

 

[psytxtbk4exam]

Bookmarked

 

[winthony]

I see. I do have the quote for the Aviva Multipay. hank you

Yes I do!
It is 33 ANB, male and for your multipay, how much sum assured and length of coverage are you looking for?

 

[decibel.]

Life ready plus vs Aviva whole life III which is better?

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[winthony]

Life ready plus vs Aviva whole life III which is better?

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As of now, Manulife has switched to the new CI definition so thats something to take note.

For comparison, Manulife does have extra 20 CIs covered. Better or not must see what you are comparing about

 

[boredboiboi]

Life ready plus vs Aviva whole life III which is better?

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Manulife is on new CI definition already.
If in term of premium, most of the time manulife is cheaper.
Manulife overall covers more conditions and that provided u add eci.

 

[decibel.]

As of now, Manulife has switched to the new CI definition so thats something to take note.

For comparison, Manulife does have extra 20 CIs covered. Better or not must see what you are comparing about

Manulife is on new CI definition already.
If in term of premium, most of the time manulife is cheaper.
Manulife overall covers more conditions and that provided u add eci.

Hmm so that said, even if manulife move to new CI definition it still covers more than those old plans? Is the new CI good or bad?

I alr have existing prulife on old CI definition. Thinking whether to buy new prulife to up my coverage with old CI definition or go with Manulife or Aviva whole life better. The quote I get is like 2.6 for Prudential.

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[boredboiboi]

Hmm so that said, even if manulife move to new CI definition it still covers more than those old plans? Is the new CI good or bad?

I alr have existing prulife on old CI definition. Thinking whether to buy new prulife to up my coverage with old CI definition or go with Manulife or Aviva whole life better. The quote I get is like 2.6 for Prudential.

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Be it old or new. Its the coverage that you get matters in my opinion. Eventually it still covers you if anything happens.

 

[winthony]

Hmm so that said, even if manulife move to new CI definition it still covers more than those old plans? Is the new CI good or bad?

I alr have existing prulife on old CI definition. Thinking whether to buy new prulife to up my coverage with old CI definition or go with Manulife or Aviva whole life better. The quote I get is like 2.6 for Prudential.

Sent from HUAWEI VOG-L29 using GAGT

Well, the new CI definition might make claims harder if it falls under the grey area. The extra coverage from Manulife's products is governed and defined by the company themself.

Perhaps you might want to state the pru product exact coverage then you can take a look if you would want to opt for the alternative

 

[klcc121]

Hi, how much is the premium for 3yo boy and 7months baby girl? CI + ECI of 100k & 200k

 

[winthony]

Hi, how much is the premium for 3yo boy and 7months baby girl? CI + ECI of 100k & 200k

Hello there!

Are you looking at term coverage or wholelife?

If it is term, till what age?

If it is WL, would that coverage be before or after multiplier?

Would quote you once we get more info on this

 

[boredboiboi]

Hi, how much is the premium for 3yo boy and 7months baby girl? CI + ECI of 100k & 200k

Hi
Your question is very broad to even quote.
First what plan are you looking at? Wholelife or term?
Second, if is term, coverage till what age?
If is wholelife, how many year payment term? How much multiplier?
Ci and eci, what is the break down? Or u mean 100k ci and 200k together?
How much death/tpd are you looking at?

 

[klcc121]

Hello there!

Are you looking at term coverage or wholelife?

If it is term, till what age?

If it is WL, would that coverage be before or after multiplier?

Would quote you once we get more info on this

hi,

looking for term till 65, will it be cheaper than whole life?

if WL, the coverage is after multiplier

 

[klcc121]

Hi
Your question is very broad to even quote.
First what plan are you looking at? Wholelife or term?
Second, if is term, coverage till what age?
If is wholelife, how many year payment term? How much multiplier?
Ci and eci, what is the break down? Or u mean 100k ci and 200k together?
How much death/tpd are you looking at?

if term then till 65

if wholelife then 20 years, 200k together, death and tpd can be minimal

 

[moejoseph]

hi,

looking for term till 65, will it be cheaper than whole life?

if WL, the coverage is after multiplier

Usually for kids, whole life will be recommended coz payment only for 20 years (as per ur choice), while term will be till age 65.

When ur kids reach around age 20+ to 30+, the whole life policy would have gained quite a good returns. They can then decide if to surrender to get term themselves, or continue with the coverage

 

[boredboiboi]

if term then till 65

if wholelife then 20 years, 200k together, death and tpd can be minimal

Kids i usually recommend wholelife.
And for 200k together. Means in total? As there are many combinations. But if is 200k i will go for all 200k eci
And the 3 year old is next or last birthday?

Total premium for wholelife will definitely be lesser than term.
Do you only want quote for company with old ci or any company?

 

[oceanjet]

Hi, can quote till 65/70

ANB 23, female, non smoker

-500k death tpd, 200k CI, 200k ECI
-500k death tpd, 250k CI, 250k ECI
-500k death tpd, 100k multipay CI
-standalone multipay CI 100k/150k

Thanks!

 

[winthony]

Hi, can quote till 65/70

ANB 23, female, non smoker

-500k death tpd, 200k CI, 200k ECI
-500k death tpd, 250k CI, 250k ECI
-500k death tpd, 100k multipay CI
-standalone multipay CI 100k/150k

Thanks!

For Multipay, only company A has the option! and Company M has adopted the new ci framework, is that a concern?

Will quote you!

 

[oceanjet]

For Multipay, only company A has the option! and Company M has adopted the new ci framework, is that a concern?

Will quote you!

Hi,

Would prefer the old definition unless the price is really competitive

Thank you!

 

[Skunk2R]

Hi..is supercritic care good or any comparable eci/ci plan