Has anyone bought the HSBC Life Protect Advantage plan with ECI rider? How does it compare with AVIVA MyWholeLifePlan III with ECI rider?

Hi Anon, I distribute both HSBC Life and Aviva among other insurers.

HSBC Life in some cases can have a slighty cheaper premium, however, the cash values on the policy is slightly projected lower than Aviva.

Secondly, Aviva is one of the only 2 insurers that pays cash value on top of base cover and additional cover during the additional cover period which HSBC doesn't.

Lastly, HSBC Life Protect Advantage has the benign tumour pre-exisiting clause that will not load or exclude clients with those conditions but instead cap payouts of $50,000. So for anyone with such a pre existing, HSBC should be the option you go for.