What is the most important insurance to buy? My mum has Rheumatoid Arthritis n PCOS. I am showing symptoms though tests have been negative. Which insurance should I get for my daughter to ensure her insurability?

Thank you Hariz for your reply. If both PCOS and RA is not considered a CI, may I know if there will b problem when purchasing a life or CI policy? As she is still young and has no dependents, would it be right that I focus on the CI area n is there any policy that just covers CI or ECI which is not term? Will u also b able to advice on what other insurance I should look into for my daughter if she is susceptible to the 2 illnesses? Thank U.

No worries. Family history of PCOS and RA aren't that big of an issue when underwriting. Of course if you have PCOS already, there may be exclusions to the reproductive organs. RA will also have it's set of exclusions but I have not personally come across with someone with that condition applying for insurance. PCOS, much more common. And yes, CI/ECI as a whole life for kids is preferred. Much cheaper than term as a whole actually. She definitely needs to get a hospitalization policy for sure. We have the Integrated Shield Plan as an option and I really hope she has this already. Other than ISP and a CI plan, there isn't much you can do with protecting financially against those 2 conditions as they aren't debilitating illnesses. If you'd like to discuss further, you can always reach out to me on FB messenger, or email me at [email protected]