Best Term Insurance Plan(Do Not Solicit for Pm)

exterminazn

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Hello! Could we kindly have a quote for our profiles below? We are looking at GE/AXA/Aviva in particular :)

1. Female ANB 28, non-smoker, class 1 occupation (office)
a) 1M death/TPD, 300K CI, 100K ECI, until age 70
b) 2M death/TPD, 600K CI, 200K ECI, until age 70
c) 500k death/TPD, 300k CI, 100K ECI, until age 99/100

2) Male ANB 28, non-smoker, class 1 occupation (office)
a) 1M death/TPD, 300K CI, 100K ECI, until age 70
b) 2M death/TPD, 600K CI, 200K ECI, until age 70
c) 500k death/TPD, 300k CI, 100K ECI, until age 99/100

Thank you so much!
Hi,

below GE quote


1. Female ANB 28, non-smoker, class 1 occupation (office)
a) 1M death/TPD, 300K CI, 100K ECI, until age 70
-> premium: $1679.90/year

b) 2M death/TPD, 600K CI, 200K ECI, until age 70
-> premium: $3321.75/year

c) 500k death/TPD, 300k CI, 100K ECI, until age 99
-> premium: $2733.85/year

D) 500k death/TPD, 300k CI, 100K ECI, until age 100
-> premium: $2772.80/year


2) Male ANB 28, non-smoker, class 1 occupation (office)
a) 1M death/TPD, 300K CI, 100K ECI, until age 70 -> premium: $1660.25year

b) 2M death/TPD, 600K CI, 200K ECI, until age 70
-> premium: $3273.25/year

c) 500k death/TPD, 300k CI, 100K ECI, until age 99
-> premium: $2937.55/year

d) 500k death/TPD, 300k CI, 100K ECI, until age 100
-> premium: $2974.95/year

Cheers
 

paperheartzx

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Given that the prices are quite similar between SA, X, GE for the same coverage (e.g. 1M death/TPD, 300K CI, 100K ECI, until age 70) - which one would you recommend in terms of claims/other benefits?
 

exterminazn

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Given that the prices are quite similar between SA, X, GE for the same coverage (e.g. 1M death/TPD, 300K CI, 100K ECI, until age 70) - which one would you recommend in terms of claims/other benefits?
Term plan quote straight forward, get the cheapest

but of coz boredboiboi previously highlight TPD and eci benefits for some companies may not cover till the required age, which u can put into consideration
 

boredboiboi

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Given that the prices are quite similar between SA, X, GE for the same coverage (e.g. 1M death/TPD, 300K CI, 100K ECI, until age 70) - which one would you recommend in terms of claims/other benefits?
As per what exterminazn said. Claim wise, it will be paid out as long as it hit the payout criteria, its all being governed. And also if u prefered any of it instead of pricing.
 

Juan Mata

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Sure. Will quote for you


1) death/tpd: 500k
CI: 300k
ECI: 150k
till 65
A - $1560.70/year
T - $1569/year
X - $1120.20/year
C - $1324.85/year

2) death/tpd: 500k
CI: 300k
ECI: 150k
till 75
A - $1916.25/year
T - $2058.50/year
X - $1467.90/year (tpd till age 70 only)
C - $1868/year

3) death/tpd: 300k
CI: 200k
ECI: 100k
till 65
A - $1372.25/year
T - $1105.80/year
X - $787.66/year
C - $977.50/year

4) death/tpd: 300k
CI: 200k
ECI: 100k
till 75
A - $1692.40/year
T - $1455.20/year
X - $1038.23/year (tpd till age 70 only)
C - $1390.80/year
Hi are these quotes still valid? Can you also provide a quote for SA? TIA!
 

walktheman

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Hi

May I get a quote for Male 41 non smoker

1mil death tpd, 300k ci, term till 65
500k death tpd, 200k ci term till 65
 

exterminazn

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Hi

May I get a quote for Male 41 non smoker

1mil death tpd, 300k ci, term till 65
500k death tpd, 200k ci term till 65
Hi,

below GE quote assuming anb 41yo


1) 1mil death tpd, 300k ci, term till 65
Premium: $1939.70/year


2) 500k death tpd, 200k ci term till 65
Premium: $1317.80/year

cheers
 

winthony

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Hi

May I get a quote for Male 41 non smoker

1mil death tpd, 300k ci, term till 65
500k death tpd, 200k ci term till 65
Hello sure! :)

1mil death/tpd + 300k CI till 65

Company SA: $1938.10/annually
Company M: $2040.70/annually
Company T: $2061/annually
Company C: $2103.60/annually


500k death/tpd + 200k CI till 65

Company SA: $1255.85/annually
Company M: $1364.30/annually
Company T: $1351/annually
Company C: $1270.70/annually
 
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boredboiboi

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Hi are these quotes still valid? Can you also provide a quote for SA? TIA!
A T C yes valid.
A = Sa , SA is singlife with Aviva.
X no more 40% perpetual discount so not valid

new quote for X
1) $1353.60/year
2) $1782.20/year
3) $956.88/year
4) $1267.64/year
 
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boredboiboi

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Hi

May I get a quote for Male 41 non smoker

1mil death tpd, 300k ci, term till 65
500k death tpd, 200k ci term till 65
Base in age next birthday 41
If is age last birthday 41, premium will be different. Kindly comfirm if is last or next birthday 41

1) 1mil death/tpd, 300k CI till 65
SA - $1938.10/year
M - $2040.70/year
T - $2061/year
C - $2103.60/year
X - $2468.40/year


2) 500k death/tpd, 200k CI till 65
SA - $1255.85/year
M - $1364.30/year
T - $1351/year
C - $1270.70/year
X - $1538.60/year
 
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duhduhduh

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Hello all,

Can I request a quote please. My Shield Plan is in place, but looking to get increase my life protection (currently is MINDEF term) + critical illness for myself.

ANB: 32; Non-smoker.

Term life: 1mio
CI: lookign at between 400k - 500k

I assume typical plans goes till 65 only?

I saw that some term can convert to WL as well
 

boredboiboi

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Hello all,

Can I request a quote please. My Shield Plan is in place, but looking to get increase my life protection (currently is MINDEF term) + critical illness for myself.

ANB: 32; Non-smoker.

Term life: 1mio
CI: lookign at between 400k - 500k

I assume typical plans goes till 65 only?

I saw that some term can convert to WL as well
Male or female?
U can choose the coverage term. Usually people covers till 65/70/75
Ci as is late stage only or all stages?
And u wan 400k or 500k? 400k-500k is a range.
Term all can be coverted to wholelife but the premium will be base on the age it convert, and premium will be accordingly and how many years payment, so usually is not wise to convert at a later age. Just that with term convert dont need underwriting
 

duhduhduh

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Hello BBB,

Male please
Are you able to show the quotes for 65 and 75? (thank you!)
CI for all stages please.
Put it at 500k in this case
 

boredboiboi

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Hello BBB,

Male please
Are you able to show the quotes for 65 and 75? (thank you!)
CI for all stages please.
Put it at 500k in this case
Ok but not possible. Some of the company max eci(all stages) is 250k.
Maybe i quote for u 1m death/tpd, 250k ci,250k eci
Ci - late stage only
Eci - all stages

1) 1mil death/tpd, 250k ci, 250k eci till 65
SA - $2596.20/year
T - $2712/year
X - $2256.60/year

2) 1mil death/tpd, 250k ci, 250k eci till 75
SA - $3414.65/year
T - $3729.50/year
X - $3023.40/year (tpd till 70 only)
 
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exterminazn

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Hello all,

Can I request a quote please. My Shield Plan is in place, but looking to get increase my life protection (currently is MINDEF term) + critical illness for myself.

ANB: 32; Non-smoker.

Term life: 1mio
CI: lookign at between 400k - 500k

I assume typical plans goes till 65 only?

I saw that some term can convert to WL as well
Hi,

to answer your question, the coverage is fully customizable, u can stop at whichever age (max 100) which feel complement your situation

And GE term can be converted to WL

GE max ECI claim is 350k btw, that’s why I got 2 more additional quote

below GE quote:
1) 1mil death/tpd, 250k ci, 250k eci till 65
Premium: $2035.80/year

2) 1mil death/tpd, 150k ci, 350k eci till 65
Premium: $2242.35/year

3) 1mil death/tpd, 250k ci, 250k eci till 75
Premium: $3068.20/year

4) 1mil death/tpd, 150k ci, 350k eci till 75
Premium: $3407.30/year

cheers
 

hpnasp

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For aviva, eci will not reduce the death/tpd coverage, the rest of the insurers will reduce accordingly. Once claimed, the eci rider portion premium will be remove accordingly. Premium to waive if u add premium waiver rider

Hahas I am back again for the inquiry, still grappling with all ci ECI comparisons.

let’s say if a person suffered from ECI at age 40 and died at 62,

Term 200k + ECI 200k (Aviva) package will offer him the total of 200k+200k payouts, wheareas a Term 400k + ECI 200k (non- Aviva) package also offers him 200k+200k.
Am I right to say this?

But say if he died from an accident, Aviva package will pay his family 200k, whereas the other ones pay 400k.
Is that the difference?


is the Aviva ECI a standalone package or a rider attached to the main term? If the latter, is there any min term/tpd coverage I have to purchase? ANB 30 F non smoker.

for example,
200k term/ tpd+ ECI 150k
300k term/tpd+ ECI 150k

Any waiting period?

Thanks.
 
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