Different benefits may cover you up to certain age, e.g. total permanent disability up to age 70, multipliers up to age 65 or 75, critical illnesses (riders) up to age 100, and death up to age 100.
Add the multipliers only where necessary, e.g. when your children are still schooling and not working, and remove it after they are financially independent to lower your premiums
Download necessary forms from the AIA website, fill them in, submit all forms and supporting documents via post or to your AIA insurance agent
4 riders – Critical Protector Life (II), Early Critical Protector Life (II), Critical Cover Extra, and Early Critical Cover Extra to cover 42 major or 103 multi-stage critical illnesses respectively
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