Insurance Talk V7!, Your one stop Insurance Discussion
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 Jul 6 2021, 03:18 PM
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#1
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Probation
6 posts Joined: Dec 2019 
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Hi all, would like to seek your advice for CI (preferably with early CI coverage) as standalone CI is quite expensive. Looking to cover till 65/70YO. Currently I have sufficient life insurance, so wondering what options are there for CI. AL about 500k to 1mil, age 39,WFH. Thanks
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Jul 6 2021, 03:48 PM
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#2
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Probation
6 posts Joined: Dec 2019
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QUOTE(lifebalance @ Jul 6 2021, 03:20 PM) What do you mean by AL? AL= annual limitHow much are you looking to cover? What's your annual income and expenses?  coverage for about 500K to 1 million? left about 1-2k after minus expenses, commitments etc |
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Jul 6 2021, 04:30 PM
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#3
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Probation
6 posts Joined: Dec 2019
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QUOTE(lifebalance @ Jul 6 2021, 04:02 PM) If you're looking for comprehensive coverage then ILP. Could you suggest some plans? actually im specifically looking for CI, but i understand that ILP+ rider CI is cheaper with better coverage. Would like to know if there is any product with minimal ILP?Otherwise if you have no budget or just looking for medical then a standalone. It's noted within the policy & brochure on the guaranteed renewal. I won't be able to advise much as I don't know much about your personal finances. I see, what you're referring to is a hospitalization & surgical benefit as Critical Illness has no "annual limit" but only the amount of payout that you've bought for the plan. There are a few types of early critical illness plans available for early CI namely. Early CI - Payout only once for early stage Multi Early CI - Payout for multiple early stage of CI If you're looking for a comprehensive coverage for yourself then the proper way to do it is to consult a financial adviser or insurance agent to determine what is the right amount of coverage is suitable for you and what plan are available that can match your budget. Any thoughts on A-LifeLink2+ A-Plus Beyond Critical Shield & A-Plus Beyond Early Critical Shield? Currently I have A-LifeLink, is it the same as A-LifeLink2? Thank you very much for your replies |
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