Asked by Justin Tan

Should I get term life or whole life insurance for those diagnosed with polycystic ovary syndrome? Does it affect the policies I can get?

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  • Jonathan Chia Guangrong
    Jonathan Chia Guangrong, Fund Manager at JCG Fund
    Level 6. Master
    Answered on 28 Jan 2019

    Depending on the insurer and current status of the condition, likely to be offered non standard terms. You may wish to do a preliminary underwriting application with the insurer of your choice to see what terms will be offered. This way, you won't have a 'black mark' when asked if you have been offered non standard terms on other applications

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  • Brandan Chen
    Brandan Chen, Financial Planner at Manulife Singapore
    Level 5. Genius
    Answered on 03 Feb 2019

    what Jonathan shared is right!

    Let me know should you like to apply for preliminary underwriting.

    You may reach out to me via my webpage at

    www.brandanchen.manulife.sg

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