If Monnex, you pay the insurance fee every month, if the personal, you pay it in ten months for the whole year's insurance. I recommend the Personal. You can get an on-line quota in personal's website: www.thepersonal.com.But I am not sure if they give discount to groups like CPAC.
I only know, you need to pay some penalty fee if you want to transfer from Monnex to other company(3%~5% annual premium), it depends on how many months left when you want to transfer to another company, you can calculate, unless the other company really give you very good price, it is better to transfer until the insurance expire, but you can begin to look for other companies one or two months early.
This post has been archived. It cannot be replied.