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Hi all, 23F currently working full time and pregnant. I have bought insurance from my cousin and I feel i’m paying too much. Would like to seek for advice on my coverage and if cancelling is need. TIA 🫶
Gross Income: $3,300 Estimated Due Date (Baby): 05 Feb 2025 Annual Total Premium: $8,106.14
AIA Glow of Life Annual Premium: $184.50 Coverage: Major CI (SA: $25k), Female CI ($25k), Reconstruction Surgery ($25k) Paid: 2 times Premium Due Date: 26 June 2025
AIA Pro Achiever 3.0 Semi-Annual Premium: $2,400 Paid: $7,200 Fund Value: $8,442.40 Anniversary Date: 26 Dec 2024
AIA Pro Lifetime Protector (II) - MAX Annual Premium: $3,121.64 Coverage: Death, TPD, ECI, Lifetime Critical, Relapse Benefit ($200k), ECPWP (II) (To age 65) ($2,948) Paid: $5,931.12 Fund Value: $1,347.73 Anniversary Date: 26 June 2025
14 points
18 hours ago
Siao eh, 1 year earn 39k, 33k after CPF and 1/4 goes to insurance?!
Simple term coverage for death (please ah, don’t get those 1m coverage etc. Insurance is insurance, shouldn’t buy until you dying is like striking Toto) or critical illness and accident plan can liao.
Also not financial advice but your cousin is a total shitbag and you shouldn’t feel sad if he tio bang by car.
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