Dear Mr. Tan,
I just talk to 4 different insurance companies asking for their term insurance. One company try to sell me life insurance when I asked for term and I have to pay 4.5K per year. Even for term insurance, the price quoted is not that cheap comparable to life insurance.
Is it true that Critical illness only can be bought with a Life Insurance with Death Coverage and not as a stand alone policy? This is what an agent told me. Xan I really get a term policy valued at 500K at around 1K plus per annum as reported in the papers?
REPLY
You can buy a stand alone term and a stand alone critical illness cover under the SAF group insurance policy, if you are a reservists. Read this FAQ: http://tankinlian.com/admin/file.aspx?id=116
A term insurance for $500,000 cost about $768 a year. You can buy critical illness separately. But you do not need to insure a large sum. An insurance of $50,000 or $100,000 for critical illness is sufficient, as it is supplemented by term insurance.
Read my book, Practical Guide on Financial Planning and attend the educational talk conducted by FISCA. They are meant to educate consumers to make a better choice.
Read the FAQs in www.tankinlian.com/ask.aspx to find out why many agents are not giving the proper advice to consumers, due to their conflict of interest.
E-mail: kinlian@gmail.com. Website: www.tankinlian.com Facebook: www.facebook.com/kinlian
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1 comment:
If one of the agents is from NTUC, then he/she is bullshitting the customer.
NTUC has 2 standalone term policies covering critical illness. One is a group term policy, the other is a personal term policy.
Safra Living Care is the group term version. But you need to sign up for Safra membership, so the Safra fees is also part of the cost. For $100K sum assured, the premium is $25/mth if you're below 46 yrs old. From 46-55, the premium is $36/mth. From 56-60, the premium is $70/mth.
The personal term solution for CI is the Family Insurance Plan with the Living Rider inside. For 30-yr old male with $100K sum assured for CI for 25 yrs (until 55), the monthly premium for FIP will be $30.20/mth.
99.999% NTUC agents will NOT tell you the above, becoz the Safra policy pays them nothing. The FIP commission can only pay for 5 days lunch at downtown food court.
There may be 1 or 2 other insurance companies also have standalone term CI policy. I know Aviva has one personal version --- probably similar to their SAF group version.
You need to do your own legwork and homework. Don't expect FAs and agents to show you what you asked for. If you ask for term, easily 90% of agents will badmouth term policies and try to smoke you with wholelife instead.
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