Hi,

I am a 26 year old male currently working.
I don't have any policy with me for the time being.
My only dependants are my parents.

I am little confused with the insurance products out there.
What should I buy? Any advice and recommendations would be appreciated.

Thank you.

Hi hamster9,

Thanks for ur reply.

Sorry for my ignorance. What are the benefits of getting one earlier?
Isn't it getting more expensive for example, Critical Illness and Medical Card when one gets older?
Does it mean if one buy earlier, he will lock in the premium?

Also, you did mention abt the clauses that one need to take note. For example?

Thank you.

This post has been edited by wealthdaddy: Aug 4 2008, 09:44 PM

Hi,

Sorry for my ignorance.

Though I have yet to check it out, could it be investment-linked?
Cash value built up over the years used to pay the higher premium when one gets older.
If that's the case, I would consider the premium increases as one grows older.

Anyone out there, any ideas???