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Closed Mababang coverage sa VUL

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BlueBerry16

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Hi po. Pahelp me mga kaPH.

I got a VUL policy po from FWD. 30 annual ρrémíùm for 5 years, 150k benefit for critical illness and 300k death benefit. Im 24 and the thing is nabababaan po ako sa coverage ko. Gusto ko po sana pataasan yung coverage ko but my advisor said na better na kung magtotop-up nalng ako para daw di lumaki ang charges at lalaki naman daw po ang coverage as the time pass by.

Sa ngayon po iniisip ko kung pataasan nlang ang critical illness rider ko. Sa may mga knowledge I honestly need your opinion po. Thank youu so much!
 
Parang mas ok pa yun sunlife.. check mo yun paps.. bakit mas mataas ang death benefits? After 5years saka mo taasan.
 
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