Differences between aviva’s multipay CI vs other companies’ conventional CI riders? Is it worth it to get it?

Hi there. Aviva's Multipay CI is a standalone plan or it can be a rider attached to a life or term insurance.

As a standalone CI plan, it is one of the most value for money in the market. You can look at these independent comparisons to see why:

https://www.valuechampion.sg/best-cheap-critica...

https://treeofwealth.sg/early-stage-critical-il...

Do reach out to me here if you like to find out more. I cover Aviva and 8 other major insurers.

Hi anon,

I'd like to check what you mean by 'other companies conventional CI riders'?

If we're comparing multipay, then we should compare multipay plans between the insurers (although there really isn't any clear cut way, since all the payout structures are very different). And the riders for such plans, if any, would most likely be premium waiver riders.

Otherwise, are you referring to the multipay CI rider that can be added to MyWholeLifePlan 3? As far as I am aware, this is the only whole life plan where you can add a multipay rider that has a limited premium payment term. Other whole life plans from other companies are usually accelerated payout riders.

If you can provide a bit more details, I'll be able to give a more concise answer.