Q: what if I emigrate? Yes can claim from overseas. CSL[CareShieldLife] is explicit about it.
Q Can I downgrade to a smaller amount? Colin confirmed on my sign-up day that yes payout and premium would be reduced according to the original entry age.

— coexist with CareShield supplement .. https://www.careshieldlife.gov.sg/supplements.html says one can claim from both supplements. But I think it’s too much trouble maintaining both plans after I leave SG.

Termination: Better inform Aviva (68279933 Option 3) by 23 Jan 2022, though premium deduction (CPF or Giro) happens in Feb 2022.

Numerical projection is in another blogpost.

— payment schedule for Contract-E8566804
Warning — if you default on payment the plan can expire quickly.

• $600/Y CPF deduction around 19 Jan
• $2454/Y DBS-108 deduction in Jan ($100 one-time discount for 2020). Before I relocate to U.S. I would need to put something like $10k in this account
• Need to keep paying for 30 years until we cancel

— There’s no need to compare other plans (and lose focus) until we are comfortable with…

j4: My earning capacity lasts till 70. During this period, this income stream needs protection, as my family and (more crucially) my own quality of life would benefit from this income stream.

j4: similar to Personal Accidental insurance … disability insurance is close to my heart. Whenever I read stories like “Broken Column” of TBD due to accidents, I flinch and long for protection (non-existent) and emotional support.

j4: shield plan covers hospitalization only. CSL fills in the gap. Peace of mind. Note it’s impossible to cover all gaps.

— J4 lifetime payout: Chance of survival beyond 12Y? If I put in the healing effort I will increase my chance. I can still be of value to my loved ones including my grandchildren.

I guess most of the “coping” expenses are incurred in the first N years, but if I survive longer, then aging would increase burn rate.