Which company offers the best whole life insurance right now with early critical illness rider?

Hi Anon,

Kind soul here...I’ve did an article on this awhile back listing the best 3 whole life plans, have a little read over the weekend.

https://www.theastuteparent.com/2020/01/best-wh...

If you are comparing solely based on premium alone, current comparison by external forum users has seen AXA being one of the lowest. Of course this will depend on the multiplier, and whether you need other coverage.

If you would like some quotations to compare, i will be glad to assist. Let me know! :)

Hi anon,

There are many factors differ between whole life plans with CI/Early CI riders on the market and thus you will want to know what are the differences between them before you consider.

This assumes that you are needing a early CI plan with lifetime coverage but limited premium payment terms, then a whole life plan will suit this purpose.

As there are many insurers on the market, a more effective way to understand your options will be to speak with an independent financial advisor who can show you your options, explain the differences, and help you see if the amount of coverage you intend to get is excessive or sufficient. Right now I would say the plans from Aviva, China Taiping and Manulife are amongst the most competitive on the market and will likely be what most people will get for themselves.

As I am an independent financial advisor, you can reach out to me at [email protected] if you'd like to explore the options available.

Hi Anon, I'd suggest speaking to an Independent Financial Advisor Rep to get comparisons. As much as I want to say which are the best (which is arguably not so simple), the plans can be a little different to one another and sometimes you may want something that another policy doesn't provide.

But I can safely say, that the 3 policies I almost always end up recommending would be between Aviva My Whole Life Plan III, Manulife Life Ready Plus, and China Taiping i-secure.

These would be based on premiums, coverage definitions, and a few special features.

If you want to speak to me about it, you can find me on Facebook or email [email protected]