What is the most important insurance to buy? My mum has Rheumatoid Arthritis n PCOS. I am showing symptoms though tests have been negative. Which insurance should I get for my daughter to ensure her insurability?

Hi Anon, so sorry to hear what you're going through.

For your daughter, getting her a Limited Pay Whole Life plan with Early Crtitical Illness riders would be the policy to purchase.

You can opt for a term plan, but if you're getting longer than 50 years, the Whole Life plan would be more affordable.

Just note that diagnosisof PCOS is not considered a critical illness, but any complication that it may lead to might. Also RA is also considered a special condition benefit under ECI and not an critical illness by itself.

For insurers and plans, I would suggest working with an Independent Financial Advisor but the top 3 I usually end up recommending are Aviva MyWholeLifePlan III, Manulife LifeReadyPlus, China Taiping i-secure.