AIA Ultimate Critical Cover (UCC)
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Allow yourself the space to restore, refuel and reset when recovering from critical illness.
Footnotes
1. The current coverage amount will be reset to 100% of the coverage amount if the UCC policy is in force 12 months after the last critical illness claim.
2. Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount. Maximum claim limit of 500% of coverage amount applies to early and intermediate stage of critical illnesses.
3. Applicable for early and intermediate stage critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.
4. The UCC policy will terminate after the death benefit or accidental death benefit is paid out.
5. Two-year waiting period applies. We will only admit a claim for Ultimate Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
6. This benefit is payable once and terminates thereafter.
Ensure you have the the ultimate critical illness protection needed for confidence and peace of mind. Act now to safeguard the future for you and your loved ones.
Buy Now
Hi, I am Minghao. As a mid-career entrant to the industry, I bring a different perspective to financial planning compared to single-career advisors. I have done my personal financial planning for 20 years and have achieved financial independence.
What does financial independence mean? To me, it means being able to work on what I like, with who I like and not have to worry about my financial commitments. Financial independence means freedom and with freedom comes opportunities. Therefore, I believe financial independence is a goal for most, if not all, people.
My purpose is to help individuals and families achieve financial independence through lifetime cashflow-based financial planning. The key intent is to answer the question "Do I have enough" or "When will I have enough". And most people think that this is referring purely about finances. However, when you sit down to think about it, there is also the important question of whether you have enough things to do with your time even if you have enough financial resources to not work. That in turn will determine how much financial resources you need to support the lifestyle you desire to lead. Do not settle for headline numbers for retirement capital sums or accept a simple $XXk a month in retirement. What you need at 65 and 80 is clearly vastly different both in terms of the amount of expenses as well as the type of expenses at the different stages of life.
I am confident to identify opportunities and potential pitfalls in your financial situation and improve your long term financial well-being. Financial independence should not be a dream, but an achievable goal for everyone. I am committed to help you achieve it.
By definition, a FA firm is one that sells the products from more than one insurer or business partner.
However, you should consider whether the FA firm can ensure that financial advice given is free from the undue financial influence.
Ever since our founding more than two decades ago, Financial Alliance is committed to offer impartial and client-centric financial advice.
We have your best interest at heart and will leave you to make your decision.
If suitable and impartial financial advice is what you seek, then you should only engage a trusted FA firm.
At Financial Alliance, we are dedicated to offering our clients the best financial advice.