Insurance

Hi guys, Im currently looking for a few insurance for a few people.. The premium is quite low though haha..

1) 28 year old guy
Just started working, his budget for life insurance around $200++, was sweet talk by a prudential agent into buying ILPs. Now he's going to cancel his ILP after talking to a few people..

Based on what I know, Im advicing him to get a term plan plus whole life plan for protection.. He had already upgraded his medishield

2) My gf and I

Both of us are still uni undergrads, 1 more year to graduation.. But we are looking to upgrade to private medishield.. The problem is my gf have high blood cholesterol. While I have degenerative disc disease, runner's knee and allergic rhinitis..

We heard of the Aviva shield plan that have moratorium underwriting.. We are looking at this shield plan since we are still young..


3) My younger sister
Just started working after poly.. Looking to upgrade her medishield and also get some term plan for protection.. very low budget since she's earning less than 2k.. maybe under $100 per month...


Im hoping for IFAs to contact me since I prefer a mixture of plans to get the best value... :s22: If any of you guys have good IFA to recommend please PM me.. hopefully someone that is experience in this field as I wish to have one agent managing for my family. Thanks in advance!