Hi,

For AIA's A-Plus CriticalCare, is it that the sum assured for the CI will increase 1% per year?

For example, If I purchase A-Lifelink 380k + A-PlusCriticalCare 100k (both with 1% anniversary bonus, max 20%) after 30years, the sum assured will be:-
380k*1%*20=76000 + 380000 = 456000
100k*1%*20=20000 + 100000 = 120000

Is the above calculation correct?

Btw, any reason why AIA cash value higher than GE at 30years~?

Hi people, i'm just a recent fresh grad who just entered the job market. I have been browsing through quite a lot of insurance threads but it seems quite hard to really gather the information that I need with the wide range of insurance products out there, so I hope some sifus here can help to enligthen me!

As a person who just entered the market, what are the insurance that I need? Assuming that I have a medical card from my current company that has no limit, does that mean I just need a simple life + TPD insurance? Is it worth it to get insurance with investment/savings-linked plan or just solely a simple insurance without those benefits? What are the best insurance products out there at the market now especially for a fresh grad with low salary to begin with?