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 Insurance Talk V6!, Everything about Insurance

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wayton
post Mar 9 2020, 12:56 PM

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QUOTE(GE-DavidK @ Mar 9 2020, 12:36 PM)
Personally, I would suggest you to get invidividual medical insurance if your budget allows because it is more future proof. Investment-linked medical insurance is more comprehensive which comes with life, critical illness coverage and waiver too.
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Iindividual plan is always preferred, this I agreed.
But I have reservation on investment linked. With recent plummeting stock market, many ilp owners may get love letter from insurance company cited investment portion is not doing well. Those investment can result in negative figure if opt those equities linked funds.
Already spent money in paying insurance premium and still make a loss in investment linked. Double whammy.
wayton
post Nov 1 2020, 04:06 PM

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QUOTE(coldbasecamp @ Nov 1 2020, 03:50 PM)
if SPE2 don't have such options to update for higher limit, I don't mind for SPE3 and paying the commission fee.

Just wondering if it worth to change the plan, bear the contest-ability period for 2 years, and maintaining 2 policies for 2 years.
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How much the difference between SPE2 and SPE3 premium?
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