Hi anon, I'm just going to make some deductions here: 1. You'll want a equal mix of CI and ECI. Hence, I will be looking at a $100K SA with x 2 multiplier to give you at least $200K coverage. I'll throw in the x3 multiplier numbers to give you an idea of the cost. 2. You are 32 ANB (Age next birthday) 3. You'll want to pay the premiums over the next 20 years so that you'll be done before 55. 25 year options are available too, should you wish. 4. Your CI/ECI cover is boosted till age 70 at least, some insurers have an option to boost it further, but 70 is very common. If you need other permutations I'll have to work them out seperately. When the multiplier ends, you will fall back on your $100K SA with bonuses. 5. You already know why you need CI/ECI cover and just want to know the numbers (i.e. price) involving such policies, as such, I won't elaborate too much. Having said that, the most competitive plans in the market now (and the ones that most clients end up getting) are usually from Aviva , Manulife or China Taiping . Each plan has their own distinct features , so you can't solely judge on price. For $100K x 2, we're looking at $2881/yr, $3135/yr, $3265/yr from these 3 companies so you can see the difference is not extreme. For $100K x 3, it'll cost $3578/yr, $3730/yr, $3790/yr, so the gap is quite similar. Hopefully that gives you a sense of the cost. As a rule of thumb, don't spend more than 10% of your income on coverage. Based on the fact that you have H&S and PA, subtract those premiums from the 10% and you'll know how much CI/ECI cover you can comfortably get without straining yourself. Term life with ECI is very expensive. I have run some quotations to benchmark against a whole life with ECI and it almost never makes sense to get a term with ECI due to the total cost. Plus, it doesn't help you if the term plan ends at age 75 and you get CI at 76. You'll still be alive, but may be a financial drain. I'd also recommend getting a term plan (pure death/TPD) to protect your income, this is extremely important if your parents are dependent on you for their retirement. Speak with an independent financial advisor if you need a more in depth discussion.