Mar 2 2014, 06:17 PM
QUOTE(neo_6053 @ Feb 15 2014, 11:24 PM)
I got offer from both GE and Prudential. Still considering which to take. There are some info I not fully sure yet, hope someone here can help answer or I'll clarify with the agent.
The package they offer is :
Great Eastern
Death : 100,000
TPD : 100,000
Critical : 100,000
Early Payout Critical Illness : 100,000
Medical card : 900,000 (limit) 90,000 (annual), cover to 80 years old
Room : 150
TPD Allowance : 12,000 per year
Hospitalisation Income : 150
Accident Death: 10,000
Waiver : TPD, CI
Premium : 200
Prudential
Death : 50,000
TPD : 50,000
Critical : 150,000
Early Payout Critical Illness : 100,000
Medical card : 1400,000 (limit) 70,000 (annual), cover to 70 years old
Room : 150
TPD Allowance : None
Hospitalisation Income : 100
Accident Death: 50,000
Waiver : Not sure yet
Premium : 250
Any suggestion?
Hi, I will recommend Prudential. First of all, I worked for Great Eastern (my first job) for 2 years.The package they offer is :
Great Eastern
Death : 100,000
TPD : 100,000
Critical : 100,000
Early Payout Critical Illness : 100,000
Medical card : 900,000 (limit) 90,000 (annual), cover to 80 years old
Room : 150
TPD Allowance : 12,000 per year
Hospitalisation Income : 150
Accident Death: 10,000
Waiver : TPD, CI
Premium : 200
Prudential
Death : 50,000
TPD : 50,000
Critical : 150,000
Early Payout Critical Illness : 100,000
Medical card : 1400,000 (limit) 70,000 (annual), cover to 70 years old
Room : 150
TPD Allowance : None
Hospitalisation Income : 100
Accident Death: 50,000
Waiver : Not sure yet
Premium : 250
Any suggestion?
Actually, life insurance of any insurance company is good. It is just management culture that makes product different.
One more important & most important thing about insurance is....services offered by insurance agent. His/her professionalism & financial knowledge. Another factor top the list is operation staff (i.e.: Underwriting & Claim). Among both, claim staff is very important when dealing with turn around time of particular claim (i.e.: how long it takes to evaluate & release claim payment with minimal error).
I was Great Eastern staff and I bought 2 policies from Prudential. So, I hope you understand the meaning behind.
If you have any more question, please don't hesitate to contact me. I hope my knowledge could help more people in choosing the right financial product.
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