NTUC vs Prudential

[tgb888]

I am currently 27. just realized tat I m very lacking in critical illness coverage. I have a living insurance with ntuc (sum assured = 18k), endowment plan with prudential (sumassured, 1 is 19k and the other 1 is 75k). kind of regret getting from prudential though...

I intend to get a critical illness coverage policy tat will allow to surrender all bonus accumulated if I never get any critical illness at all...

I always have the impression that NTUC income, being a union subsidiary?, will have lower charges tat eat into the benefits of the insured? pls correct/advise me if I m wrong.

any advice on which company to pick? income or prudential or others.

thank you.

 

[PRUbombz]

ANB 27 years old, male non smoker

Prudential PruLife Multiplier
Basic sum assured 100,000. Premium 230.28/month. Premium payable for 25 years, covered for life.

Extra multiplier coverage from now till 65 years old.
Total Death benefit x 3 = $300,000.
Total Critical illness x 2.5 = $250,000.