For WL policies (with ECI abd CI riders), which is a more popular option? Aviva / China Taiping / Manulife?

Unfortunately, the more popular option may not be a suitable option. This is because everyone's needs are different. With this in mind, I will suggest for you to conduct a comprehensive financial portfolio to determine your needs. Thereafter, the insurance policy is merely a tool to ensure that you are covered for the required financial gap.

Additionally, since you mentioned about early critical illness coverage, I will suggest for you to spend quality time to have a basic understanding on the terms for coverage. This is because the insurers have the flexibility to determine the definitions for claim.

Read Part 1.2 for an example on Recurrent Heart Attack: Critical Illness Definition Changes Singapore: Clarity comes with a Cost

Hence, this may be a worthy point for consideration. At the end of the day, I believe that all the consumers want to receive the payout for a covered medical condition, and not to fight the technical jargons.

I share quality content on estate planning and financial planning here.

Hi there,

More often that not, there is no clear determinant on which is a more popular option across all insurers. With the different marketing cycles, there could be more outreach by a different company at any given time.

When dealing with insurers in Singapore, the representative, or agent, you will be liaising with, should be someone that you can communicate effectively with. Across the 3 mentioned companies, the pricing will definitely differ. For the amount of coverage you are looking to obtain, there will definitely be a trade off between affordability and user experience.

Hardly will you find a policy that is cheap & good, therefore the focal point should always lie with what you are willing to pay for the coverage you want, and the type of end user experience you would receive from your representative. As a consumer, you definitely should have access to a sound advisory process, and a good overview of what might serve your purpose best.

If you would like to know more, you can reach me here, to schedule a consult, and I promise you will leave knowing what you should receive as a valued consumer.

I do hope i was able to address your queries, have a great week ahead!​​​