Getting started with insurance

[nicccccs]

If no multiplier not many company. I generate 1 let u see the premium first.
U wan pay how many years?
And the gender?
21 is age next or last birthday?

i want pay 20 years, male, age last bday

 

[boredboiboi]

i want pay 20 years, age last bday

U didnt answer Male or female?

 

[nicccccs]

U didnt answer Male or female?

hi bro, male

 

[boredboiboi]

hi bro, male

Ok, here you go bro =)
$2,135.73/year for 20 years
$100k death/tpd/ci till age 99. If survive age 99,Death benefit is payout.

 

[nicccccs]

Ok, here you go bro =)
$2,135.73/year for 20 years
$100k death/tpd/ci till age 99. If survive age 99,Death benefit is payout.

this is it for manulife? can i also get a quote then for aviva my wholelife, w the same stuff multiplier times 2

 

[boredboiboi]

this is it for manulife? can i also get a quote then for aviva my wholelife, w the same stuff multiplier times 2

Ya manulife.
Ok. X 2 will be cheaper. Let me generate.

M - $1,234.86/year. Multiplier ends at age 70
A - to be updated, system down for maintenance

 

[moejoseph]

hmm, which company would you recommend right now in terms of best bang for buck

Usually with multiplier will be cheaper coz base sum assured is lesser.

AXA can no multiplier. Quote as below, based on Age 22

$100k Death/TPD/CI
Pay 20 years @ $2300/year

$50k Death/TPD/CI
2x multiplier before age 70
Pay 20 years @ $1337/year

 

[nicccccs]

thank you so much bro, may i know what other company do you cover?

 

[boredboiboi]

thank you so much bro, may i know what other company do you cover?

You are welcome
I can quote for almost all except pru and ge

 

[nicccccs]

You are welcome
I can quote for almost all except pru and ge

wa haha sorry to trouble u, can quote for me the tokyo marine 50k base (multiplier up to 150k) with ci, tpd coverage?

 

[boredboiboi]

wa haha sorry to trouble u, can quote for me the tokyo marine 50k base (multiplier up to 150k) with ci, tpd coverage?

Sure. TM wholelife plan is one of the most expensive. Will quote for u to see.
Tm system updating in progress
Just to comfirm its ci right not eci
Ci - late stages
Eci - all stages
TM booster only until age 65
50k x 3 , 150k till age 65, pay 20 years - $1562.55/year

 

[nicccccs]

Sure. TM wholelife plan is one of the most expensive. Will quote for u to see.
Tm system updating in progress
Just to comfirm its ci right not eci
Ci - late stages
Eci - all stages

yes, ci ... thanks

 

[boredboiboi]

yes, ci ... thanks

TM booster only until age 65
50k x 3 , 150k till age 65, pay 20 years - $1562.55/year

 

[nicccccs]

TM booster only until age 65
50k x 3 , 150k till age 65, pay 20 years - $1562.55/year

hmm, okk if multiplier(150k) which company u recommend most actually, i abit scared go with company A because heard rumour it gg to exit asia

 

[boredboiboi]

hmm, okk if multiplier(150k) which company u recommend most actually, i abit scared go with company A because heard rumour it gg to exit asia

Usually is M or A being the most competitive in premium. If not A then maybe M.

50k x 3 for death/tpd/ci till age 70. Pay 20 years
M - $1347.29/year
A - $1427.50/year

 

[nicccccs]

Usually is M or A being the most competitive in premium. If not A then maybe M.

M - 50k x 3 for death/tpd/ci till age 70. Pay 20 years - $1347.29

But I hear M always cut their bonuses/etc, bad reputation?

 

[boredboiboi]

But I hear M always cut their bonuses/etc, bad reputation?

Always? No ar. Last few years is on tbe higher side.
Even if it does cut bonus, u already save on the premium, u can use the difference and grow too.
Now in history all insurers cut bonus before already, even TM that nv cur bonus before, cut bonus this year.

 

[nicccccs]

Usually is M or A being the most competitive in premium. If not A then maybe M.

50k x 3 for death/tpd/ci till age 70. Pay 20 years
M - $1347.29/year
A - $1427.50/year

bro, if for A the x3 multiplier, plus multipay CI will be how much?

 

[boredboiboi]

bro, if for A the x3 multiplier, plus multipay CI will be how much?

Just tried to generate. They remove multipay rider for wholelife for A

 

[nicccccs]

Just tried to generate. They remove multipay rider for wholelife for A

oh wah, okk alright bro, thank you so much for your help bro. rly glad i found this page