✔ 最佳答案
Life insurance is only 1 of the element in the Financial Planning Pyramid. To well protect you & your family, the plan should consist of health protection (medical expenses, critical illness), accident protection & life protection.
If client only have life insurance, he or his family may need to use their reserves if he onset major disease that need to spend over $100,000 for taking operations. Financial planning for the whole family will be seriously affected.
As a professional financial adviser, I suggest you to consult an financial planner before applying any insurance. If need, you can directly contact me for free advice.
Metlife is an insurance firm that founded in USA. However, the company only provide limited range of products for HK market. If you want to tailor-made a comprehensive plan to meet your protection needs, it may not be a good choice for you. Besides, majority of Metlife business in HK rely on tele-sales, you may need to communicate with customer services directly. Without the assistance of agent, you may encounter difficulties when claim is needed.