Best Term Insurance Plan(Do Not Solicit for Pm)

rubybarb

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Hi All,

Please quote

Male ANB 38,non-smoker, until 65.
death/tpd: 1m, CI: 300k, ECI: 150k. (also if any Crisis Waiver)

Thanks
 

boredboiboi

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Hi All,

Please quote

Male ANB 38,non-smoker, until 65.
death/tpd: 1m, CI: 300k, ECI: 150k. (also if any Crisis Waiver)

Thanks
Male, ANB 38, Non-Smoker till age 65.


1) death/tpd $1m ; CI: 300k, ECI: 150k
HSBC: $2499.45/year
Etiqa: $2601.22/year
Singlife: $2829.20/year
Fwd: $2788.20/year

2) death/tpd $1m ; CI: 300k, ECI: 150k. With CI Crisis Waiver
HSBC: $2589.17/year
Etiqa: $2626.38/year
Singlife: NA
Fwd: $2816.92/year
 

always_first_time

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Hi, need a quote for below please

baby girl, till age 65
1) death/tpd: 200k, ci, 200k, eci, 200k

(not really sure how much CI coverage is "enough", can recommend)

thanks
 
Last edited:

boredboiboi

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Hi, need a quote for below please

baby girl, till age 65
1) death/tpd: 200k, ci, 200k, eci, 200k

(not really sure how much CI coverage is "enough", can recommend)

thanks
Eci + ci cannot be more than base death/tpd. Eci covers all stages while ci covers only late stage.

Baby girl dont need coverage honestly. She need hospital plan first.
 

exterminazn

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Hi, need a quote for below please

baby girl, till age 65
1) death/tpd: 200k, ci, 200k, eci, 200k

(not really sure how much CI coverage is "enough", can recommend)

thanks
Bbb have shared about the coverage permutation.

can consider get Wholelife instead of term for baby.

and baby usually is get hospital plan first
 

always_first_time

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Eci + ci cannot be more than base death/tpd. Eci covers all stages while ci covers only late stage.

Baby girl dont need coverage honestly. She need hospital plan first.
hmm.. does that apply for term only or in general? asking because i'm pretty sure i have seen eci + ci more than death/tpd.

yes, will definitely get hospital plan but currently checking for term first
 

boredboiboi

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hmm.. does that apply for term only or in general? asking because i'm pretty sure i have seen eci + ci more than death/tpd.

yes, will definitely get hospital plan but currently checking for term first
Most company in general. Eci + ci more than death/tpd only singlife can do it. And other company because eci doesnt include late stage so has to add ci to make it complete.
 

always_first_time

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i see.. thanks both.

new configuration is

baby girl, till age 65
1) death/tpd: 500k, ci, 200k, eci, 200k (eci needs to cover juvenile conditions)
 

exterminazn

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i see.. thanks both.

new configuration is

baby girl, till age 65
1) death/tpd: 500k, ci, 200k, eci, 200k (eci needs to cover juvenile conditions)
Hi,

below GE quote

baby girl, till age 65
1) death/tpd: 500k, ci, 200k, eci, 200k (eci needs to cover juvenile conditions)
Premium: $580/year

my side eci doesn’t cover juvenile illness, but for whole life, there will be coverage for juvenile

cheers
 

tsnd01

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Hi All,

Please quote

Male 41,non-smoker, until 70
death/tpd: 500k, CI: 120k, ECI: 120k.

Thanks
 
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