I met up with a friend who shown me his life policy taken 31 years ago.
The wholelife policy issued by Company A, has a RCC, a Personal Accident Rider with it.
He was insured $50,000 for accident death and partial disablement and premium is $117.50.
You may think this premium is cheap, but 31 years ago, he has been paying faithfully until today.
Some products are simply cheaper today and coverage is wider.
Ntuc Income Personal Accident Policy with $50,000 for accident death and partial disablement with $1000 medical included is only $35 per year in premium.
Click Personal Accident to take a look.
If you wish to cover 14 infectious disease to include SARS, Bird Flu, Dengue Fever, etc, click PAID
The other rider worth reviewing is Convertible Term and Term riders.
If you have a Hospital & Surgical Rider and has no existing illness now, it is also better to look at Enhanced Incomeshield Plans that covers one wholelife.
Click at the hyperlink and make a comparison.
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