Is it always cheaper to buy CI insurance (without ECI) from MoneyOwl than buying it directly from the insurer (direct purchase insurance)?

Hi there,

If you actually look at the options provided by MoneyOwl vs direct purchase insurance (DPI), there is a big difference in terms of the offerings provided.

DPIs that are usually bought direct from the insurer, are listed as DIRECT, in their policy name. In the case of MoneyOwl, those are still normal term policies, where you will be advised by a representative.

When there are no intermediaries involved, the cost will be lower compared to advisory based insurance. You can look here, to find out more details with regards to DPI, and the difference between the two.​​​