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May I upgrade CareShield Life to get better coverage?

1

What are CareShield Life/ElderShield supplements?

How do I check the types of supplementary plans which I have purchased for myself or dependants?

Can the Supplements work with both CareShield Life and ElderShield?

Should I join CareShield Life if I already have an existing ElderShield & ElderShield Supplement plan that provides similar coverage, e.g. lifetime payouts?

Will the Supplement premiums that I have already paid, be taken into account when I join CareShield Life?

If my Supplements overlap with CareShield Life, will insurers provide a refund if I join CareShield Life?

There are so many private disability insurance products. Where can I seek advice on which to buy?

I am born in 1980 or later. If I buy private insurance products/Supplements similar to CareShield Life, can I be exempted from universal coverage?

What happens if I stop paying for my Supplements if I join CareShield Life?

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