Comparison with integrated shield plans?

Hi! Are there any kind of agents that cover more than one insurer? I have pre existing conditions (mental) and a lot of family history, so the articles doing the comparison are not helpful because each insurer may offer different kinds of loading or no loading. One or two insurers were not confident and told me likely to be rejected while AIA told me that they are willing to approve. Should I just proceed without checking and comparing with other insurers? To be honest, it is daunting to have to contact like 5 different agents for 5 different insurers. And I would need to decide soon before the offer letter expires.

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TheWQ

10 Sep 2023

Get insurance broker that is willing to help you do preliminary underwriting. Previously I know MoneyOwl does this and they can help you get insurance from NTUC Income and Singlife at least. Unfortunately they are closing their business and transferring clients to iFAST. Maybe you can try exploring iFAST.

From what I know, Great Eastern and Prudential only have captive agents. So you would need to contact their agents separately. And I think both companies do not do preliminary underwriting.

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CH

08 Sep 2023

Google for : sony livelife

this is FA who are not commissioned based.

if you have time, i suggest to talk to different agents, even if they are from the same company. because different agents will say different things coming from different perspectives.

there is another member here in seedly from philip whom i believe is also can have different insurers plans.

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