Insurance Advices needed

[hideandseek]

Hi all,

I'm 23 male non-smoker this year working as a crane operator, single parent, current housing loan still got 15 years to go.

Currently I have the following plans:

Prulife 5th series since i'm 16 [ Disability Provider, Crisis Cover Plus ll Riders] [ $126 Monthly]
Prushield Premier with Extra [ 100% Covered ]

I'm actually considering to surrendering Prulife and getting a TM Legacy Plan with early critical illness [80k with multiplier effect before 70 should have SA 200k?] and topping up with a term insurance plan [convertible] SA 300k] and a personal accident plan [Liberty 100k].

Any quotations or advices please? [Welcome to Pm me Thanks]

 

[bigmice]

why not think about GE Critical care advance(term)? at early stage 100% payout cap@S$100k.m much better than other similar plan.
whole life $100k +$100k CCA(till 70)+$300k(Level term till 65) should be better.
since you already plan buy whole life, so convertible term not good for u.Level term cheap and easy control you future financial plan

 

[chopra]

you should get term and possibly accident.

saf aviva cheapest for term. don't need quotation. u mentioned ur job - make sure it's covered or not (in my opinion it's secondary though, cos I believe your coy has covered the occupational hazard)