Recommended my brother to this friend of mine, Joseph. He at last bought his insurance. My brother went for PruLink Assurance Account (PAA) which is an Investment-Linked Plan (ILP) with a $100,000 Life and additional $80,000 Critical Illness at $120 per month. He has another plan, PruShield Plan B similar to medishield. That is all he bought.
As for me, I have PruShield Plan A at $92 per annum, a higher coverage plan coupled with AXA SmartCare Plan D at $298 per annum. On top of that, I also have PAA with a $50,000 Life and additional $100,000 Critical Illness at $120 per month. That too is complemented with a ManuLink with a $200,000 Life and accelerated $200,000 Critical Illness at $130 per month.
Therefore in total, I have slightly over double of whatever my brother have at double his cost. That is with the simple note that his income is nearly double that of mine..... He then posed this very basic question to me: "You have the money for your insurance, car and other expenses?" hahaha..... In truth, I am at ZERO! savings monthly and can only comfort myself with the knowledge that, I am maximising my income! bleah!
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