Aviva MyWholeLife Plan II
Competitive premiums across all ages, able to convert to monthly income plan with reduced sum assured. Ability to include the popular MultiPay Critical Illness (CI) rider, as well as able to convert MultiPay CI rider into a stand-alone Critical Illness Plan. Multiplier feature able to extend to age 85 (most insurers stop at age 70). Death and TPD coverage is for LIFE.
Manulife LifeReady Plus
Competitive premiums across all ages, offering further discount on good health. Early Stage Critical Illness coverage protects 125 illnesses and 18 Special Conditions. Sum assured Multiplier feature can be set to none. Waiver of premium term if you are the payor for 3rd party. Flexible premium term of even until age 99. Sum assured can go down to a low $25, 000.
Most Competitive Plan
China Taiping i-Secure
Most competitive premium with the most comprehensive Critical Illness protection of 161 Conditions, with 12 special & 12 Juvenile conditions. Multiplier benefit is the longest and can be extended to LIFE, beating all the other insurers which ends at age 70 (85 for Aviva).