Should I get a early cancer term insurance plan with Citibank or AIA?

If the plan is distributed by AIA, then you should get it from AIA. This is because AIA is the company responsible for the after-sales service, not Citibank. As a result, even when we call the bank, the bank will advise you to call AIA instead. Therefore, there is zero value in getting the insurance policy from Citibank.

Despite the fact that this is a tele-sales, medical underwriting may still be required as it is a cancer coverage plan. In the event that you proceed with the application, you will still be required to declare your health once you receive the welcome mailer.

Given your situation, I will suggest for you to speak to a client representative at AIA Singapore for the best advice on getting yourself the right coverage. Drop me a coffee invite if you need my help: https://www.work.pzl.sg/#coffee

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Hi Anon,

Sorry about your condition, but am really glad that you are still looking into this. Actually there are term products that do provide cover even though you might have current conditions, and they also do provide CI coverage. It would be good to speak to someone and see what they can do and maybe even see whether the under-writers are able to accept your case. However, there might be loading, but I believe there is no harm trying as you can choose to only pay the first premium after seeing what the under-writers have concluded as well