Asked on 03 Jul 2020
Hi Anon, it's great that you're looking at getting insured pretty early. However, if you won't be graduating until 2023, will you be able to keep up with your insurance premiums without active employment?
That's something you'll need to consider. Also, do work with an advisor to figure out how much coverage you require before getting a policy, and then shop around.
Income's Star Assure is a decent Whole Life plan, with some unique features like a 50% reset for the early CI rider. But ultimately, there are only 3 I end up recommending and that is Aviva, Taiping, and Manulife.
Also, it would be very difficult to get reviews on insurance products imo.
I've attached a screenshot for a sample 25yr old Male getting 100k X 3 Cover covering Death/TPD/CI and half Early CI.
(Etiqa doesn't have ECI so it's quite a bit cheaper in the comparison)