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Soon Xiaohui
07 Jul 2018
Analyst at Common Place
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Hariz Arthur Maloy
07 Jul 2018
Independent Financial Advisor at Promiseland Independent
Kenneth made a good point. Would someone care if you die?
But on top of H&S, you should still look at it CI coverage, as you're not dead, but would still have a loss of income.
If you survive (which is great), you could have lost years of income due to taking time off work to recover.
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By end of the day, you gotten look at the facts that what if you are sick, half dead, loss of income due to illness or accident. It is best to cover this area as you're on your own.