Asked by Anonymous

Are insurance catered to females necessary? If so, what's the term that is recommended? Are there pros/cons of not getting the female insurance to age 64 (as what most insurance company offer)?

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  • Hariz Arthur Maloy
    Hariz Arthur Maloy, Independent Financial Advisor at Promiseland Independent
    Top Contributor

    Top Contributor (Mar)

    Level 7. Grand Master
    Answered on 23 Jan 2019

    Not necessary but recommended. This is because of the the free health checkup that comes with it. It's not also necessarily because of saving money, but more of the fact that you are reminded to go every year if not wasted.

    This makes sure that if anything were to come up, you find out early and can get treated before it gets worse.

    All the female specific plans end at age 65. But for general CI (which also covers female CI), I would recommend either Whole of Life or until life expectancy age, which is 85 for females.

    Also another pro to the female specific plans that are not in general CI would be the female surgeries benefit for masectomies and other reconstruction benefit which I've told helps in confidence and morale after experiencing such a traumatic experience.

    I've been speaking extensively about this since August last year, and could help you understand in clearer detail why you can choose to take or ignore this.

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