I see the TS's plan more likely a unit-linked policy by HLA.
Unit-linked policy is available even 20 years ago, consulted a HLA agent about that.

Its not the agent actually.

Its the nature of unit-linked product. There is risk involved.

Well, I'm agree on that.
Years back, people buy insurance because they "give face" to their friends when they come selling.
End up they bought the lousy policies and never let others review their policies. My parents the same too.

Now I'm checking the surrender values of our policies, consider switching to other policies with far better protection and coverage.
It isn't easy to meet a good agent nowadays, or it just people unwillingly to go and find appropriate person (ignorance perhaps, just stick with their agents [friends, relatives] )



am_eniey, it is the dark part of insurance agent......not the insurance.
Insurance is good actually, and we as consumer must also refer the policies clearly before commit to it.
I believe most of us here are well educated, simple english on a policy shouldn't be something tough?

Somehow I do have a policy where if I being hit by CI/TPD/OAD, I will collect my sum insured but my rider attach will continue. Eg. my medical and CIWP.
I do feel the extra premium paid for the protection is worth it.

Oops. Mine is traditional plan. H&S rider attached to it. Not an ILP.

I need to read my policy to verify that, I bought HLA Premier Life for myself and my siblings.


I will try check if any of the HLA unit-linked product comes with such feature as well.

This post has been edited by allenultra: Sep 2 2009, 05:57 PM

HLA standalone medical package, MedGlobal IV (MG4) does have the "term" u mentioned.

I believe PJusa is compiling a standalone H&S package database. If u can wait, wait for it.
Else PM her about the information she has collected.

Get the package while you are healthy.

This post has been edited by allenultra: Sep 2 2009, 11:56 PM

Zack Styler, pay for 15 years and at year 20, the amount is slightly double the amount u saved. To me, isn't a good deal.

I saw other plan, pay 6 years will double at year 20 (35 yrs term). Another plan, pay for 10 years and will double at year 20 (till age 88)

HLA Cash Builder.
Offer cash out from the end of year 1, till policy maturity, which is at year 35

As I know, Prudential and Manulife have similiar kind of plan available too. Not sure the return somehow.