✔ 最佳答案
(1) Higher coverage and lower cost better , I suggest Manulife too
(2)水平式保費 and can cover until age 100 is very important, because some like my Dad's one at NYL the cost is very very high at age 63 after
I have bought policy from AIA and Manulife, my Manulife 宏 利 agent is better, she designed a plan which the 醫療和住院 can be 保證 refunded 100% at age 65 (not by dividents, but 保證) and will have free medical exam until age 65 too, if you interested I will give you her contact
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