You might actually want to look into the benefits of the aia solitaire pa plan vs the prudential pa plan. For example, the pricing of the plans are very similar for the basic plan but for aia you can actually add in an additional riders to get a weekly indemnity benefit of 100 per week. This will be useful when you are injured accidentally and is given a period of Mc to rest. In addition, the benefits and discounts of the AIA Vitality would far outweigh the costs of the premiums involved. Let me me know if you need further clarifications.