Great pays the insured the most. It

Great Eastern – Direct Great LifeDirect Great Life is a life insurance that covers the insured in case of accident or death. The payout for total and permanent disability is 5 million till insured turns 65. In addition, the policyholder can add on critical illness riders such as Great Critical Care 70 & 85. With the riders, the policyholder can choose to pay premium until 70 or 85 but enjoy lifetime coverage. The payout for this rider is 3 million until the individual turns 65. Direct Great Life also allows the policyholder to save and accumulate funds.Prudential-PRUTerm VantagePRUTerm Vantage lets policyholders switch riders according to change of their needs. Premium varies with coverage, and the insured can hold minimum sum of $500,000 in the event of accident. In addition, PRETerm Vantage provides family members health protection for 10 years or longer. The premium costs $250 to $400 each month, making it affordable & suitable for Anthea Tan, who has a disposable income of $2560. The insurance also covers death and terminal illness till the insured turns 100 and allows increasing of death coverage up to 2 times the original sum assured. Supplementary benefits like Crisis Care,Crisis Cover Vantage 7 are encouraged to be added on.Manulife-LifeReadyLifeReady is a whole life insurance which pays the insured the most. It has up to 5 times the life benefit multiplier and can be enhanced with critical illness options like early critical care rider and critical care rider. It also has premium waiver options such as Critical Care Waiver, Payor Benefit rider(I) and Spouse Rider. The insurance covers for total and permanent disability till the client turns 70. Premiums range from $500 to $750. In conclusion, we should recommend Anthea & Kah Lian to choose the PRUTerm Vantage due to high flexibility to cater to their changing needs. Also, the affordability is key to them as a middle income earner. Lastly, in addition to a long policy effective time till insured turns 100, PRUTerm Vantage is also value for money as it provide protection for not just them but their family members too.2.2 Insurance Protection to cover Hospitalisation Treatment Expenses for Family MembersGreat Eastern – Supreme Health Standard PlanSupreme Health Standard Plan is a medisave payable Shield Plan (IP) that covers B1 wards with low premium of $6.38/day. It  to $1,500,000 Annual benefit limit, guaranteed lifetime coverage, Post-Hospitalisation Treatment which includes a period of 120 days before and 180 days after hospitalization and treatment benefits such as Pregnancy and Childbirth Complications,  Living Donor Organ Transplant and more. Supreme Health users are free to access a call-in service, to choose doctors and a free medical expense evaluation to reassure users on their coverage and a direct claim settlement.Prudential – PRUshieldPRUshield is an enhanced Medisave insurance plan that has an annual medical treatment coverage of up to $1,200,000 which is also guaranteed renewability. PRUshield provides benefits such inpatient hospitalisations, surgical , a period of 180 days pre-hospitalisation and up to a year long of post-hospitalisation coverages and etc.Manulife – ManuCareManuCare is a flexible invest plan that reimburses hospital bills with no co-insurance and deductibles. This plan covers chronic outpatient treatments which is very rare in the insurance industry. Other than this, ManuCare has an accident plan for anyone that starts with a payment as low as $2 per week and covers up to $50,000 to $1,000,000 for accidental death. Users of ManuCare also gets to enjoy a free check up every odd year, making it ideal to keep track of your health status

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