Term Life Insurance
Whole Life Insurance
Critical Illness (CI)
Early Critical Illness (ECI)
Asked on 18 Oct 2018
I have a life insurance since young and want to find out if it comprises ECI/CI, will call the insurer to check.
There are term plans that cover Eci and Ci alone, where you can opt for a Multipay term or just an ECI term.
There wont be a need to call your agent. Look for dread disease or the word critical on your policy document. If its not there, you have neither.
Yes there are standalone CI term plans.
You should look at the Multi Pay CI plans as they are quite comprehensive and cover all stages of CI and even relapse of specific conditions.