Hi all, I'm 23M non-smoker.
I got the quotation of 120/mo for medical card with 60 years sustainability and annual limit of 1.38m. I opted it for the flexibility of the plan which allow me to upgrade with better coverage later. I checked online for the premium of term plan which is greatly cheaper than ILP plan that I got. I do notice the factors that the price for term plan seems to increase once a few years. Perhaps, is it more optimal to select only term for my medical card instead of ILP? Of course, in this way, I would sacrifice the flexibility of ILP can provide. Can any sifu provide me some comments?