PRUlife multiplier flex

[computers70]

It is ex due to your early critical illness. Consider dropping it or just get 'normal' critical illness.

 

[AhBui168]

It is ex due to your early critical illness. Consider dropping it or just get 'normal' critical illness.

I know... but early CI is important...

 

[anfielder]

I know... but early CI is important...

No, it's not. You may as well bump up the death cover and drop the early ci if you have the budget.

 

[AhBui168]

No, it's not. You may as well bump up the death cover and drop the early ci if you have the budget.

If bunp up the cover will be more ex...

 

[Bigoya]

If bunp up the cover will be more ex...

What exactly is your concern?

Price? Coverage? Cash value? Choose 2.

Price and coverage: Go Term
Price and cash value: Save your money elsewhere.
Coverage and cash value: Get the most cost-effective whole life.

 

[Perisher]

Since when ECI is important?
Unless you tell me you got data/stats for most CI to be discovered early, rate of claims is high and you go for screening regularly, it's almost useless otherwise.

 

[AhBui168]

How about this plan?

https://www.tokiomarine.com/sg/en/personal/wealth/legacy-planning/tm-legacy-lifeflex.html

 

[SG_Alibaba]

How about this plan?

https://www.tokiomarine.com/sg/en/personal/wealth/legacy-planning/tm-legacy-lifeflex.html

Any experience who know more about this plan ?

i mean PRUlife multiplier flex...

 

[Zzgerald]

Any experience who know more about this plan ?

i mean PRUlife multiplier flex...

All depends on your needs, how much and what you want to be covered for.

PRUlife multiplier Flex has a payment term of 10/15/20 or 25 Years
Yes you can choose 10 years you can to pay off this bill, or actually spread it to 20/25 years.
Perks of spreading it is that you buying yourself additional years for the waiver embedded in the policy to be activated if something unfortunate were to happen (early stage, int, critical illnesses), hence saving you years of premiums.

One thing that we should know about PLMF is the early stage rider is accelerated and not additional, means it reduces the remaining sum assured for death, disability, CI.

A good calculator as to how much coverage is needed, use your annual salary x 10
e.g Earning 40k Annually, I might need around $400k coverage.
Statistically if I'm down with an illness, i need to sustain for the years without income, even if i've recovered, i might not want to go to work so soon, or
if im afraid of a relapse of my illness or having my illnesses/disability escalating further.

I'll definitely agree to look out for other companies and do ask your own agents to generate multiple term insurances and WL proposals. I'm sure they'll be keen to help since they know they got chance with you.

 

[hardwarezoner2]

I also just got this policy, my coverage is 250k , I'm paying like 450per month.

My main aim is just protection for myself.... any advice ? I've asked my agent if can lower the coverage to maybe 100k.

 

[boredboiboi]

I also just got this policy, my coverage is 250k , I'm paying like 450per month.

My main aim is just protection for myself.... any advice ? I've asked my agent if can lower the coverage to maybe 100k.

Advice is already given on another thread.

 

[winthony]

I also just got this policy, my coverage is 250k , I'm paying like 450per month.

My main aim is just protection for myself.... any advice ? I've asked my agent if can lower the coverage to maybe 100k.

Hello! If you just got the policy, why not just freelook it and get something you desired? I read your other posts in other thread and I think what you need is a proper restructuring of your existing policies if not you will be always thinking about what you are paying and what you have

 

[AhBui168]

Currently I’m paying every month $192.88 for 25 years.
(Included Early CI Rider)
Policy Coverage - 50K X4 till age 70.

Last years just got married.
I already paid for this poly almost 2 years.
Until now I still don’t know did I purchase the right policy.

I also just got this policy, my coverage is 250k , I'm paying like 450per month.

My main aim is just protection for myself.... any advice ? I've asked my agent if can lower the coverage to maybe 100k.

 

[boredboiboi]

Currently I’m paying every month $192.88 for 25 years.
(Included Early CI Rider)
Policy Premium - 50K X4 till age 70.

When was it started? What ur age and gender?
Do take note, heard pru eci rider only covers early and intermediate stage ci and doesnt covers late stage ci while other insurers covers all stages of ci for eci rider.

 

[AhBui168]

I’m 28. Male.

https://ibb.co/yPpY8fs

When was it started? What ur age and gender?
Do take note, heard pru eci rider only covers early and intermediate stage ci and doesnt covers late stage ci while other insurers covers all stages of ci for eci rider.

 

[boredboiboi]

I’m 28. Male.

https://ibb.co/yPpY8fs

I need to see the product summary. This alone i cant be sure if the coverage.

 

[AhBui168]

How to get the product summary ?

I need to see the product summary. This alone i cant be sure if the coverage.

 

[boredboiboi]

How to get the product summary ?

The hardcopy or softcopy. After sign up, u should have received the whole plan details. Is the details of the plan. If dont have, maybe can ask from ur agent. And send to me to read. I dont have access to pru plan ya.

 

[AhBui168]

Ok bro. I try to call prudential send me a hard copy.

The hardcopy or softcopy. After sign up, u should have received the whole plan details. Is the details of the plan. If dont have, maybe can ask from ur agent. And send to me to read. I dont have access to pru plan ya.

 

[boredboiboi]

Ok bro. I try to call prudential send me a hard copy.

Ok. Softcopy also can, I believe now mostly is softcopy ald. I guess get ur agent to do it will be faster.