Anonymous

Edited 08 Aug 2021

∙

Rate my insurance coverage please (Term Life & ISP). Thank you. Plus my consideration to add on FWD Big 3 Critical Illness Insurance.

ISP

AIA HSG Max B + VitalHealth B (aka Class A Ward ISP + Rider)

Term Life

Aia Secure Flexi Term 30Y
360k Death/TPD
300k CI/eCI

Mindef Aviva

Death/TPD 300k
PA 300k
Living Care 250k (CI)
Living Care Plus 250k (eCI)

Total arnd 2.2k/yr.

Planning to add on FWD Big 3 Critical Illness, 200k. Cheaper insurance at arnd low $300/yr. This is really cheap and I was thinking if I should add this on.

Hope to hear your thoughts. Thank you.

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Muhammad Alif

24 Aug 2021

Hi,

Insurance coverage very much depend on your current needs analysis, liabilities, standard of living, choice of cover etc.

Therefore what coverage that one deems adequate may sometime have coverage gaps when they did a policy housekeeping. Having more add on policies may not be necessary too.

Do speak to your current advisor to better understand more of your required protection needs. :)

Thanks.

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