Are these the best options in terms of coverage? Would like to hear some reviews!

Hey everyone! 23M here. Recently entered workforce and would like to hear some opinions regarding these insurance I am about to get / currently under.

(only getting the basics - PA, CI & Integrated Shield Plan aka Hospital)

PA - Manulife ReadyProtect Accelerate (about to get)

CI - Singlife Multipay CI (about to get)

ISP - AIA Healthshield Gold Max Tier C* (currently under)

*considering if a upgrade is worth it as my whole family is covered under this!

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Tan Siak Lim

09 Sep 2022

CFP. Director, Financial Advisory Group at Financial Alliance

For a young person, a whole life policy with CI accelerator maybe more attractive than a CI term plan in the long run. Since its important to cover CI especially when you are old, and not have have plan be already terminated when you need to claim

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Cherie

05 Sep 2022

Hey. PA + CI + ISP is a wise thing to get started with since you probably dont have a family with children to support yet. ISP benefits seems alittle low, unless you really dont mind going to polyclinics to get a referral to hospitals if needed, otherwise perhaps be covered under the B plan. Get the comparison here: https://plannerbee.co/best-integrated-shield-in...

CI multipay plan is good too, but compare premiums vs if you get a higher 1 time claim, because if getting a 1 larger payout is more worthwhile than waiting for the second or third claim in my opinon. https://plannerbee.co/best-term-life-insurance-...

PA plan, they are all quite standard, but I do find the AXA ones cheaper and sufficient for my needs.

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