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Anonymous

07 Aug 2020

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I am having a life + ECI rider only. Do i need to have CI coverage if i have ECI?

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Hariz Arthur Maloy

07 Aug 2020

Independent Financial Advisor at Promiseland Independent

Hi Anon, most ECI benefit also pays out upon advanced stages. It really is all stage CI cover.

But to be careful do a quick check on your product summary/documents.

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Al

07 Aug 2020

It depends if your ECI coverage is commensurable with your CI needs.

You might need additional coverage if the above is not the case.

https://www.aaronleow.com/insurance-requirement...

You can use the above calculator for a quick tabulation.

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Samuel Don Oh

07 Aug 2020

Hey there!

If you have ECI coverage, highly likely you're covered for all stages. But do take note ...

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Related Posts

I want to know how else can I get ECI / CI coverage for my entire life other than adding ECI / CI coverage riders on a whole life plan?

33 ANB Male non smoker. Looking for some CI coverage as I have none. Is it advisable to take whole life plan with ECI rider and CI rider without multiplier, and combine with Mindef Aviva Term plan?

Is is common for people to buy ECI rider with similar $ coverage as life cover? etc. 100K life 100K ECI. By the way, is there any insurance company having promotion for life +ECI plans?

For those with multiple life / term plans with ECI / CI riders, when CI occurs, would you be claiming from all plans or term plan first then life plan later on just in case in future got recurring CI?

I would like to seek an opinion in options for my 57 years old mum's ECI coverage. Would a limited pay whole life insurance with ECI rider be better or Term insurance, with budget of 25k in mind?

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