Yang Yang David - Seedly
Yang Yang David

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Yang Yang David

Executive Senior Financial Consultant at Great Eastern Life

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Executive Senior Financial Consultant at Great Eastern Life

Yang Yang David

Executive Senior Financial Consultant at Great Eastern Life

1Upvotes
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Early Critical Illness (ECI)

Insurance

Yang Yang David
Yang Yang David
Level 2. Rookie
Answered on 16 Jan 2019
CCA premium is comparable to Supreme Early multiplier although it is a term plan. (I think GE should revise this rate) One thing to note regarding CCA is that it provides very little death benefit. My recommendation is SEM. Two highlights of Supreme Early Multiplier: full premium waiver upon diagosis any stage of CI and double payout for accidental TPD. SEM is poistioned as protection plan. Please ignore the surrender value. (This applies to all the multiplier whole life plan in the market.) 4 times multiplier to 65 years old is an optimized combination which provides the most value of money. of course you may go for 70 yrs if premium differs not that much of your age. Hopefully it may help.
Level 2. Rookie
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