Advice on insurance coverage

[shimmersky]

Hi, looking for advice on these WL plans I have been offered:

1) GE Supreme Early Multiplier 20 (4X-70)
Sum Assured: 50,000
Coverage: 4X (200,000) up to age 70, covers Death, TPD, ESCI (50% claim for early CI)
Annual Premiums: 2400 paying for 20 years

2) Manulife LifeReady
Sum Assured: 50,000
Coverage: 5X (250,000) up to age 70, covers Death, TPD, ESCI (100% claim for early CI)
Annual Premiums: 2300 paying for 25 years

-I am leaning towards GE because of the lower premiums, but Manulife offers 100% coverage (37 ESCIs) and claim (while GE can only claim 50% on early stage and some of the CIs are not covered for early, intermediate stages). Is this 100% claim an important criteria in judging the plan?

-Are there better plans with lower premiums, higher coverage?

I have already purchased hospitalisation plan from GE (Supreme Health P Plus) so I am covered in that area.

Thanks!

 

[JuniorLion]

Would you consider:
1) MINDEF GTL for death coverage and/or CI/ECI;
2) Direct Purchase Insurance (www.comparefirst.sg)

 

[FortAir]

Use comparefirst. its very comprehensive