I am having a early CI rider attached to my whole life plan. Current annual income is around 60k. Was thinking to accelerate the claim if an early CI strikes. Is 150k for early CI sufficient?

Hey there!

A good rule of thumb for CI coverage is 5x your annual income to supplement your income in the event you're unable to work due to a CI occurrence. If thats too high a budget for you, you can dial down then. The other option is to use a higher multiplier. WL plans have different multiplier options and typically the higher the multiplier, the cheaper it is since there is lesser allocated to cash value generation.

You shouldnt be spending more than 10% of your income on insurance in total (including hospitalization etc).

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