Advice regarding Life plan + CI riders

[kwh_89]

Looking at

GE's Flexilife Multiplier 20 (Getting the x3 multiplier add-on)
Total Premiums per yr = 1.7k
Sum Assured = 50k*3 till 65
Total Premiums Paid = 35k
Surrender Value @ 65 = 54k

+ Critical Care Advantage Rider
Total Premiums per yr= 1k
Sum Assured = 100k

VS

NTUC's Vivocare 100
Total Premiums per yr = 1.7k
Total Premiums Paid = 35k
Surrender Value @ 65 = 55k


Thinking of dropping the Critical Care rider as I'm not self-employed and i believe my hospitalization plan is good enough.

Currently on Supreme Health P Plus and getting Totalhealth Platinum/Platinum Lite from GE.

Looking at Death / TPD / CI and maybe Early CI coverage for WL plans.

Any form of advice will be greatly appreciated.

 

[ashao911]

Looking at

GE's Flexilife Multiplier 20 (Getting the x3 multiplier add-on)
Total Premiums per yr = 1.7k
Sum Assured = 50k*3 till 65
Total Premiums Paid = 35k
Surrender Value @ 65 = 54k

+ Critical Care Advantage Rider
Total Premiums per yr= 1k
Sum Assured = 100k

VS

NTUC's Vivocare 100
Total Premiums per yr = 1.7k
Total Premiums Paid = 35k
Surrender Value @ 65 = 55k


Thinking of dropping the Critical Care rider as I'm not self-employed and i believe my hospitalization plan is good enough.

Currently on Supreme Health P Plus and getting Totalhealth Platinum/Platinum Lite from GE.

Looking at Death / TPD / CI and maybe Early CI coverage for WL plans.

Any form of advice will be greatly appreciated.

Both life plans are not good. You may look at Axa before the early care rider remove soon