AIA ECI and MCI

Depends on what you want, guaranteed protect plus provides a higher level of coverage than guaranteed protect. Grow your wealth while maintaining some level of protection for your family. If you want both, you might think about dropping the multipay CI rider, keeping the ILP penalty kick online , and purchasing the guaranteed protect plus instead. If you are a shrewd investor, there is a good chance that you won't require ILP.

Hi there, adding on to what Tony said which are my thoughts too, if you want to read up more on how AIA guranteed protect plus compares to the rest, check out the comparison table here: https://plannerbee.co/best-life-insurance/