Considering whole life plan with CI and ECI riders, but not too sure on the claim structure of the different companies

If you concern about critical illness, you can look for those standalone CI products, that can cover all stages of CI + cover you again after you make the first claim.

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I like one of the feature this product provides: - No claim refund.

Hi anon,

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All 3 plans you listed have accelerating structures. However, if you claim ECI, it reduces the CI benefit accordingly for NTUC and Pru (their ECI riders are specifically for early and intermediate CI only).

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For Aviva, the ECI rider covers both early, intermediate and late CI. So a claim on ECI will accelerate the ECI rider but leave the late CI rider untouched.

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If you claim CI first, the payout will be equivalent to the late CI rider coverage amount for NTUC and Pru. For Aviva, it will be the sum of the late CI and early CI rider.

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Thus, when configuring the plan, for a NTUC/Pru plan, your CI rider itself must be the full amount of the base sum assured. For Aviva, the CI and ECI riders must add up to the base sum assured. There's a difference there.

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If configured correctly, this will mean that Star Secure or PAL III should come with a $100K late CI rider and a $50K ECI rider. Aviva's MWL IV should have a $50K late CI and a $50K ECI rider.