I'm currently looking to purchase CI coverage, and would like to seek the community's advice as to whether early CI coverage is worth the hefty premium, or is advanced CI coverage sufficient? ?

ECI is definitely the future.

https://www.moneymaverickofficial.com/posts/pri...

Especially because we live in such an advanced country with early detection and treatments. I purchased a substantial amount of ECI.

ECI is actually for multiple purposes - expedited treatments/surgeries or specialized treatments, as well as income replacement, a much wider range of coverage, etc. In depth study into the CIs will show you that late stage cases are often irreversible - while ECI is not, and you should beat the crap out of it with a huge chunk of money and reimbursed medical bills so you never experience it again.

You can purchase a policy strategically such that if you claim, you'll make money and if you don't claim you'll make money anyway. Every policy is designed to increase your net worth.

If you have any questions about ECI, you can always drop me a message directly. I'd be happy to answer them.

https://www.facebook.com/luke.ho.54

My personal opinion is early CI is too low a chance to detect.

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Even with advancement in detection technology, you still need to request a targetted scan to find it.

For example, if you request a scan for cancer, then you might find cancer or not. But most people will not ask for a specific scan unless they feel something wrong or under recommendation.

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Most people will go for a general health check up that is not as in depth as a specific scan such as MRI or cancer detection etc.

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If you are really paranoid, you can go for all possible health scans but that will cost you a bomb.