Best Term Insurance Plan(Do Not Solicit for Pm)

[mSnooze]

How is the claiming process for AXA, Aviva and manulife?
In your opinion, which company is the easiest to claim? And which one offers most complete coverage?
Currently having a WL limited pay with prudential, but intend to convert into fully paid up this year.
Background:
32, male, non smokers

Personally I felt that Pru has the fastest claim rate within a few days. Coverage wise mostly the same except for pre/post hospitalisation, but that too is being amended every now and then to be competitive. Afterall, IPs are strictly govern and will not deviate from market standard too much. Costing wise majority had raised and will be raising their price if have not already done so, so shouldn't be really considered in comparison.

If after paid up and you want to get a term for topup of coverage, you can post again and get some quotes.

 

[Ilovegreenbeansoup]

Any insurance that protect coverage till 65 above?

 

[iperiodic]

Male 23, non smoker, death/ci/tpd 300k esci 100k. Coverage until above age 75 or 80. Can I get a sample quote on how much this costs?

I got a quote for whole life plan by GE, 330$ for 300k coverage till age 65, then 100k after 65.

 

[Lewis.T]

Male 23, non smoker, death/ci/tpd/esci 300k. Coverage until above age 75 or 80. Can I get a sample quote on how much this costs?

I got a quote for whole life plan by GE, 330$ for 300k coverage till age 65, then 100k after 65.

ESCI 300k is overkill btw, based on what you shared from the other thread. That's the costliest component of the plan.

 

[iperiodic]

ESCI 300k is overkill btw, based on what you shared from the other thread. That's the costliest component of the plan.

oops i meant esci 100k hahaha, will edit original post!

 

[mSnooze]

Any insurance that protect coverage till 65 above?

All the insurer has term till over 65, if that is what you are asking.

Male 23, non smoker, death/ci/tpd 300k esci 100k. Coverage until above age 75 or 80. Can I get a sample quote on how much this costs?

I got a quote for whole life plan by GE, 330$ for 300k coverage till age 65, then 100k after 65.

I have given you a quote on the another thread for term, but nevertheless here's another,

Coverage till age 75:
$500K Death/TPD, $300K CI, $100K Early CI costs $1,786.85/year.

Coverage till age 80:
$500K Death/TPD, $300K CI, $100K Early CI costs $2,138.50/year.

 

[myrick]

Hi possible to requote me as below.

Birthday march 1979 female
Base on 100k and 200k with ci till age 65 and 70

 

[leo leon]

It's called PruFlexiCash..anyone know?

 

[Niaoson]

Can I get quotes for the following?

Spoiler

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 65 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 70 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 75 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 65 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 70 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 75 years old

Thanks!

 

[mSnooze]

Can I get quotes for the following?

Spoiler

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 65 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 70 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
$0.5mil (CI)
Until 75 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 65 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 70 years old

Male, ANB24, Non-Smoker
$1mil (TPD, Death)
Until 75 years old

Thanks!

For Male, ANB 24, Non-Smoker:

$1M Death/TPD till age 65 costs $751.60/year.
$1M Death/TPD till age 70 costs $841.10/year.
$1M Death/TPD till age 75 costs $959/year.

$1M Death/TPD, $500K CI till age 65 costs $1,297.30/year.
$1M Death/TPD, $500K CI till age 70 costs $1,427.35/year.
$1M Death/TPD, $500K CI till age 75 costs $1,580.30/year.

Regards.

 

[Niaoson]

For Male, ANB 24, Non-Smoker:

$1M Death/TPD till age 65 costs $751.60/year.
$1M Death/TPD till age 70 costs $841.10/year.
$1M Death/TPD till age 75 costs $959/year.

$1M Death/TPD, $500K CI till age 65 costs $1,297.30/year.
$1M Death/TPD, $500K CI till age 70 costs $1,427.35/year.
$1M Death/TPD, $500K CI till age 75 costs $1,580.30/year.

Regards.

Thanks for the quote!

Which company is this from and what is the name of the plan?

 

[planktonfull]

It's called PruFlexiCash..anyone know?

Yes. Endowment with yearly payouts. Capital not guaranteed

 

[planktonfull]

Any insurance that protect coverage till 65 above?

Term plan does cover above age 65. Either that or whole life plan. Term gets very expensive if you are looking to cover above 65

 

[maslimch]

Can someone provide me with a quote based on below?

Male, ANB 36, smoker
$1mil (TPD, Death) $0.5mil (CI)
Until 65 years old

Male, ANB 36, smoker
$500k (TPD, Death) $300k (CI)
Until 65 years old

 

[mSnooze]

Can someone provide me with a quote based on below?

Male, ANB 36, smoker
$1mil (TPD, Death) $0.5mil (CI)
Until 65 years old

Male, ANB 36, smoker
$500k (TPD, Death) $300k (CI)
Until 65 years old

Male ANB 36, Smoker:

$1M Death/TPD, $500K CI till age 65 costs $3,774.35/year.
$500K Death/TPD, $300K CI till age 65 costs $2,328.70/year.

 

[mSnooze]

Thanks for the quote!

Which company is this from and what is the name of the plan?

Hi, it's from Aviva MyProtectorTermPlan

 

[megdang]

Hi, can give the quote of Male ANB 29, non smoker
$500k (TPD, Death) $300k (CI)
and
$500k (TPD, Death) $300k (Early CI)
Until 65 years old

Thanks

 

[mSnooze]

Hi, can give the quote of Male ANB 29, non smoker
$500k (TPD, Death) $300k (CI)
and
$500k (TPD, Death) $300k (Early CI)
Until 65 years old

Thanks

Hello,

Male, ANB 29, Non-Smoker

$500K Death/TPD, $300K CI till age 65 costs $941.55/year.
$500K Death/TPD, $200K Early CI till age 65 costs $1,868.90/year.

Early CI has a cap of $200K.

 

[wastedyouth]

hi, can i get a quote for ANB 31, Male, non smoker,
$500k (TPD, Death) $250k (CI)
coverage till 65/70/75 years old

 

[mSnooze]

hi, can i get a quote for ANB 31, Male, non smoker,
$500k (TPD, Death) $250k (CI)
coverage till 65/70/75 years old

Male, ANB 31, Non-Smoker

$500K Death/TPD, $250K CI till age 65 costs $920.15/year.
$500K Death/TPD, $250K CI till age 70 costs $1,184.65/year.
$500K Death/TPD, $250K CI till age 75 costs $1,334.50/year.