That why need to get once reach 15 day before any test done. But some "touch wood" is done b4 15 days which will be excluded or they will just reject the application. (Accordingly to those agents I spoke to b4)Question here would be... If we get normal plan after birth, shall the bb born with some complications (choy!), the term and conditions would exclude those complications or if they really can accept, it comes with high premium or even excludes those conditions with higher premium?
My first ILP I got only break even after 12 years. Then condition is better then now where policy almost 0 value in first few years.