Anonymous
AIA Secure Flexi Term Insurance
Hi there, I have some questions regarding the AIA Secure Flexi Term Insurance:
- Early CI rider can only be added to AIA secure flexi, only if it's the renewable term option (10y, 20y, 30y) and not for level term option (up to 65yo or 75yo)?
- For this insurance, can I add on CI rider at a later time? Or must I decide at the time that I sign up for the base policy (death coverage)?
- If I were to go ahead with this insurance, how much death/TPD/CI/Early CI coverage is sufficient for a 25yo, F, non-smoker with no liabilities?
Thanks!
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Tan Siak Lim
10 Oct 2022
CFP. Director, Financial Advisory Group at Financial Alliance
Also important, AIA Term policy may not be very competitive. Have you compare similar coverage with other insurers before you decide to go ahead with AIA?
PS: It is also strange that you are asking these product questions here instead of with the AIA adviser who to presenting the product to you.
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Hi there, there are many term options available,
1 you can choose level term for the main plan and rider. Check this out: https://plannerbee.co/best-term-life-insurance-...
2 yes you can add on later for some term plans
3 try this calculator to help you determine a suitable sum to be covered for: https://plannerbee.co/calculator-insurance/
Hope this helps!