Anyone did a comparison for Great Eastern vs Aviva vs AIA whole life + CI rider + ECI rider? Is there any promotion currently for any of the plans?

Hi, if you would like to have more details for Great Eastern plans, feel free to drop me a note: [email protected]

Hi anon,

What did you want to compare exactly? Premiums? Covered conditions?

To ensure a fair comparison, you need to have some variables held constant, e.g. the sum assured, and then compare how the rest of the features stack up.

So without sufficient information, we won't be able to answer your question adequately.

As an IFA however, I can say that Aviva remains one of the more popular selections for a whole life with CI plan, based on what clients choose in the past few months. As no IFA can distribute GE, I am unable to comment on GE. Have seen a few GE quotations but it doesn't paint the full picture.

Currently, AIA has a 15% off the first year premium ( https://www.aia.com.sg/en/our-products/recent-p... ). However in the grand scheme of things, that's like having a 0.75% discount off your total premiums on a 20-pay plan. While it does take the sting out of the first year premium, you need to evaluate the long term affordability of the plan also, and not just jump in for temporary benefits such as a one off discount. If the discount was perpetual, then there's something to talk about. If not, it's just a plus.

Maybe you'll want to point out what features you're looking out for, so that we may be able to give you a better analysis between the three offerings.