Death coverage is bundled with TPD so you might wanna check out your Group Term SAF insurance. I'm from SPF so I dun really have any idea =p.
Supremelife is good for non DIY investors as it allows you to ride on investment returns, you might want to check up on the funds on our website,
www.lifeisgreat.com.sg to match funds with the latest investment trends but as a general guideline, if you invest in a diversified fund or invest in a few funds that constitutes a diversified portforlio, statiscally the returns are 8%-10% over 10 years.
And the good thing about Supremelife is that you can have 2x the coverage of major illness if you have sufficient death/TPD coverage. So you can op for 50k Death Sum Assured and 100k Critical Illness sum assured (Or more depending on the amount of premium you are forking out). In this case if you have no dependants you can actually cancel your AIA and SAF term insurance. You can get Supremelife + accident rider as the personal accident insurance will be cheaper as its a rider compared to a standalone policy.
All along I thought Prudential's ILP is called prulink? lol.
ILPs suits younger people as the insurance charges are cheap. So you will reap in more investment returns compared to someone who engaged the policy but much older.
If you want to DIY your investment, sure, it will be better for you to get a term plan. But I have calculated, there isnt much diff in the returns over 20 yrs period.
I leave the remaining of the talking to the planner you're engaging with cause your nt my client lol
haha jk, need to know anything can ask me also, I try my best to give my 2 cents worth.
