Thoughts on FWD big 3 critical illness plan?

I did not buy as was pretty skeptical of the plans they offer given the wide price gaps for such important policies offered. Can be pretty worrisome when the time comes to claim and they inform you of all the limited clauses in fineprint. Therefore I stayed away. Jus my 2c

https://www.moneyowl.com.sg/articles/singapores...

Check out the term credit rating. The credit rating for FWD doesn't look very good. CI is such an important coverage, I personally would pay more at a more established and reliable company to have a better chance on claiming when shit hits the fan.

Just my 2cents worth. You do you.