Critical illness insurance, what you need to know - Heart to heart sharing ❤️

A new perspective on insurance that you need to hear...

Have you ever thought why your spouse or your child should have Critical illness insurance (CI).
I work as an independent financial adviser rep and do insurance advisory, I've heard so many different point of views
- We have enough assets, if critical illness hits, we can certainly sell our assets!
- Children are not earning money yet why spend on premium to be insurance on them?

But if your spouse or your kid is not well, you are going to face the question of giving up work, career goals, career progression
OR go on an unsustainable choice of both status quo in work and taking care of family.

Think about it. What if you plan everything ahead when there's no turbulence, it is easier.
If things are pre-discussed, it's going to be smoother if a problem comes. That is the power of proper insurance planning and communication.

Share this with someone who should see... ❤️

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We do not make any recommendations on whether a security is a buy/sell as every investor has different investment goals and risk profiles. The presentation of ideas from Josh Tan and TheAstuteParent are strictly for education purposes. You are advised to perform independent research yourself or seek a qualified financial adviser. We will not be liable for any losses directly or indirectly from the material. Some of the referral links in the video summary are products and services personally used by Josh Tan and they may pay an affiliate commission or referral bonus. It is not an endorsement of the product unless explicitly stated and we will not be liable for any losses. The content in this video and any promotions mentioned is accurate as of the posting date.

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About Josh:
Josh holds a degree in Accounting from NTU.

In 2016, he co-founded the financial education website TheAstuteParent to provide detailed insurance plan analysis and financial planning tips to help you kickstart your journey towards financial freedom.

As a ChFC Charterholder, Josh has agreed to be bounded by the ChFC®/S Code of Ethics. This includes, among others, acting in a professional manner when it comes to conducting due diligence on primary and secondary sources of investment-related data, and articulating his investment opinions based on his research and beliefs. Based on his research and analysis, he highlighted his beliefs and opinions, and illustrated the concept of time value of money, as of the time of the video.

[jonathanlin]

Thanks for sharing Josh, always appreciate your insight. I think many people are wary of insurance agents and the shitty investment-linked policies or endowment plans they push to us. But critical illness insurance is something that everybody needs.

[Stevenhahaha]

I would say ppl do some much study on how to grow assets but why don’t just spend some time and money to study and protect yrself and love ones if (touchwood) anything happened to the family
That’s why I search this sort of medical insurance video and it brings me back to yr video in 2023
Thanks Josh
Always take a look for yr investment video but thanks for sharing yr insurance insight as well

[jrngsg]

Thanks for sharing.
I bought limited wholelife insurance with ci and eci for whole family including children.

[vincentlim]

Totally agree with u… for most insurance just take it as a small form of savings when we are healthy, and term plans (slightly cheaper way) to boost the coverage till a reasonable age while we can focus on our career.

However, one aspects for H&S policies I hope the industry could improve is to have the policy holders some form of rebate/reward for keeping ourselves healthy and not require to make any claim.

[AlvinWeet]

Im getting 1 next week. Good point totally!

[mycents]

Good thought. Josh, how about do one, eg if the national insurance program enhance Integrated Shield Plan be a good plan for critical illnesses...

[hhspore]

Good perspective. From what you are saying it sounds like there is a insurance in the market that one can claim for daily expense once a person discovered that he or she has a critical illness. My understanding is thatI critical illness insurance is only claimable if one is admitted to the hospital ?

[axolet]

Dang, you sell insurance better than my agent

[samlai]

In my opinion, CI and medical insurance is the most useful insurance compare.

[williamthomas]

Does shoulder surgery qualify as a temporary critical illness & would it be covered by critical illness insurance ?

[CatherineCarol]

I bought one for myself and my daughter but not as high as 500, 000 because of premium. Cover I went for only 200k for myself and daughter each