I am looking for a whole life + permanent disability + ECI coverage. Which insurance provider provides the best value?

Hi anon,

This does depend on a few factors such as your basic sum assured, multiplier amount and payment duration.

However, concurring with Hariz, in general Aviva, China Taiping and lastly Manulife would provide the most value for money cover for your profile. In addition to what was mentioned by him, Aviva and China Taiping also provide lifetime TPD coverage as opposed to Manulife where the TPD cover stops at age 70. These two companies are thus always at the top of my recommendations to a majority of clients looking for a limited payment whole life plan.

When you think of investing, life insurance products are inferior investment options.

they are complex and hard to understand.

there are better options to longterm investing (which is something the insurance companies do with the money invested into life insurances by the retail investor ...)