PRUlife Multiplier

[RayOfLight]

any advise on this product? is it a good buy? generally i want coverage for death/tpd/ci for life. 10years and 15years payment is around 6k diff, which would you guys recommend?

 

[NiteX2]

It is a good product in general. That said, you may want to look at TM legacy lifetime as a better alternative though in terms of coverage per dollar

 

[Lifeisgreat91]

have a look at great eastern flexilife multiplier


http://www.greateasternlife.com/sg/en/pdf/brochures/flexilifemultiplier.pdf

 

[archcherub]

any advise on this product? is it a good buy? generally i want coverage for death/tpd/ci for life. 10years and 15years payment is around 6k diff, which would you guys recommend?

buy group term life, invest the rest.

nothing will beat that strategy. if u had bothered to come online to ask abt insurance products, most likely you are different than most people who just anyhow buy insurance.
Buy Term, Invest The Rest.

 

[IFAadvisor]

any advise on this product? is it a good buy? generally i want coverage for death/tpd/ci for life. 10years and 15years payment is around 6k diff, which would you guys recommend?

Hi,

You may want to look at Tokio Marine Legacy Lifetime (Life plan with multiplier, allows lifetime coverage for early CI) or Axa Essential. (Life plan with multiplier)

 

[RayOfLight]

I was quoted around 50k for whole life coverage for 100k premium. if I get term with the same coverage, I wonder how much would the premium be? I am 29 and non smoker. can someone advise the estimated amount if I get term? let's say till 70 years old?

buy group term life, invest the rest.

nothing will beat that strategy. if u had bothered to come online to ask abt insurance products, most likely you are different than most people who just anyhow buy insurance.
Buy Term, Invest The Rest.

 

[BombVoyage]

It is a good product in general. That said, you may want to look at TM legacy lifetime as a better alternative though in terms of coverage per dollar

How different is PruLife Multiplier and TM Legacy Lifetime?

 

[NiteX2]

How different is PruLife Multiplier and TM Legacy Lifetime?

There are a few differences between the 2. One of which is the drop in coverage for prulife after age 65, there is no such drop for TM lifetime. Another is that early CI coverage can be added to the wholelife plan for TM, not for pru

 

[bigmice]

How different is PruLife Multiplier and TM Legacy Lifetime?

 

[Aerial86]

You are not showing a correct comparison. What you are showing is Legacy Plus, not lifetime.

 

[bigmice]

You are not showing a correct comparison. What you are showing is Legacy Plus, not lifetime.

TM legacy life is not multipier, so can not campare with other multipier product. Legancy plus shoul be correct product

 

[Aerial86]

TM legacy life is not multipier, so can not campare with other multipier product. Legancy plus shoul be correct product

So you should not be quoting what you've quoted as the question is "difference between Pru multiplier and Legacy Lifetime. What you've shown did not help in anyway.

 

[RockyHero]

TM legacy life is not multipier, so can not campare with other multipier product. Legancy plus shoul be correct product

Just want to correct you. If you refer to the site, TM Legacy lifetime has a multiplier feature which they termed it "Guaranteed benefits" and maintains its multiplier for Death/CI/Early CI for whole life. It is the only insurance company that provides multiplier for Early CI with limited payment term. The multiplier effect does not reduce even after 65 or 70

 

[BombVoyage]

Just want to correct you. If you refer to the site, TM Legacy lifetime has a multiplier feature which they termed it "Guaranteed benefits" and maintains its multiplier for Death/CI/Early CI for whole life. It is the only insurance company that provides multiplier for Early CI with limited payment term. The multiplier effect does not reduce even after 65 or 70

hmmm if that's the case, TM Legacy lifetime and Legacy plus like no diff le

 

[Lodestars]

hmmm if that's the case, TM Legacy lifetime and Legacy plus like no diff le

Multiplier of TM Legacy Plus will drop after 70ANB where TM Legacy Lifetime remains for lifetime.

 

[GenerationX]

what is ANB ?

 

[gantan88]

what is ANB ?

ANB = age next birthday

Some company call it age nearest birthday

Some is LBD = Last Birth date

Different flavours.

 

[AhBui168]

Recently I consult my agent regarding this plan PRUlife multiplier...

Paid for 25 years
Sum amutre 100k after multiplier 300k before age 65 years old
Add on early CI rider 250k

If in the olden age still fit enough can choose to surrender policy to get back Cash value

Months premium $260+

So is it worth to buy?! Pls advice!

 

[RayOfLight]

try to pay in 10 years.. i know 10 and 15 years difference is around 6k.. 10 and 25 years diff should be more than 10k..

 

[OngHuatHuat]

Life limited pay means suffer now and enjoy later.