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Best Critical Illness Insurance in Singapore - YouTube
Channel: Jasper Ho
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if you are getting a critical illness
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insurance you might be wondering if you
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are getting the best value for your
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money
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in this video i'm going to share with
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you the one free platform that you can
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use
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to find the best critical illness
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insurance in singapore
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hi everyone welcome to my channel i'm
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jasper and if you don't know this
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already critical universe definitions
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will be changing
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that means that in the next few weeks
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this could be the last time that you are
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able
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to buy a policy with the whole set of
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critical illness definitions
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now before we go into this video i just
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want to say that we are not here to
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compare the definitions whether you
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should wait till the new definitions
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or to buy now and you should always do
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your own due diligence before making any
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financial decisions
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what i'm going to share here is purely
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educational and it's free for you
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to take it and apply it to your own
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finances if you are in a market for life
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insurance policy that has critical
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illness benefit
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you might be wondering you know what is
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the best policy out there
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what is the one policy that is able to
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give me the best value for my money
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and if you go around a different company
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to look for it it can be very tiring for
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you because
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everyone could be saying different
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things and end up it could confuse you
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so i'm gonna share with you this free
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online platform that you can actually
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use
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to just do a surface filtering on which
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company
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provides the best value for your money i
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know there are many platforms out there
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there are many websites out there that
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does comparisons
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of different insurance policies and
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financial products
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but i think that this is the one that i
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really want to share out because this is
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a platform that's been created to give
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you an unbiased view according to the
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website this platform is a joint effort
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by case mes life insurance association
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singapore and moneysense
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so i think that this platform will be
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able to give you the unbiased
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information that you need now i'm in no
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way affiliated to this platform but i
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think that you should know this so that
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you can make better financial decisions
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let's take a look at who can benefit
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from this
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if you are someone who just got a job or
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you just got married
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have kids you know buy a house then you
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might be wondering that
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it's time for you to get more insurance
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because currently now
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either your earning power has increased
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or your financial
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liabilities and responsibilities have
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increased and as a result
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when you're in the market for any
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insurance product it's always good to do
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some form of due diligence do some form
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of research and homework
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and using this platform it can help you
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to compare
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across the many companies in singapore
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but because critical illness definitions
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will be changing next month let's focus
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on this area first so i'll be walking
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you through on how you can compare whole
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life plans that has critical illness
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benefits
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and find which is the best one for you
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so the name of this website is called
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compare first
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and when you come to this page right it
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basically allows you to compare across
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different products
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now let's take a look at the middle one
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which is the whole life plan
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when you look at this area called select
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category what you want to do is to
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select
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non-dpi which is non-direct purchase
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insurance
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and all you need to do is to key in your
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date of birth right for instance let's
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say you
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are 30 years old right
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for female non-smoker premium wise
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annual you can actually
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sort through when let's say a premium
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term of 21 years to 25 years
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and having a sub mustard of at least
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100k
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yes you want to have critical illness
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benefit for the premium lowest to
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highest
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and just with the click of a button and
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agree
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you get to see all the different
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insurers in singapore
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so let's take a look here what you can
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do is to drag and drop into this area
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here
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and it will help you to compare across
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the different companies
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do things also is a maximum of up to
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four different companies
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of course if you want to dive a bit
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deeper you know looking into the
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different
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benefits or features of each different
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plan you may want to speak to an
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independent financial advisor who's able
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to give you that unbiased review
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but nonetheless if you want to do your
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own preliminary checks you can use this
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platform to do
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a filtering first so when click compare
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what it does is that it will help you to
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compare across
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the four different plans side by side so
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you might be wondering is the cheapest
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always the best
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so that's when we go and find out
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exactly what kind of cash value or what
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kind of benefits that the plan can offer
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so you see um upon death right you can
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actually see the breakdown
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of the amount of benefits and this is
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where it all differs
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so they give you further information as
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well for example the ratings of the
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different companies and the
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past investment returns for the
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different insurers
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i think that is an awesome platform that
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can help a lot of people to make better
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decisions
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and everyone should use it if you are in
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the market for
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an insurance policy however do take note
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as well this is just a product
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comparison
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and you should always speak to an
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independent financial advisor to assess
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you know how much insurance do you need
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what kind of insurance do you need
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and stuff like that and furthermore an
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independent financial advisor is able to
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go
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in that right to look at the different
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benefits and features of the different
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companies
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as able to give you a more neutral and
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unbiased view that can help you
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in your finances so now the question of
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the day do you do your own research
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before you commit to a financial
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decisions
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do comment down below and i would love
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to hear from you thanks for watching
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this video i hope that you found this
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useful
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do help me to hit the thumbs up button
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below and subscribe to my channel for
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more upcoming episodes
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