I'm really surprised you are willing to part over RM 600 a month without knowing what you are insuring.....you must be pretty rich

Anyway, you should really consider changing an agent as old aunties normally do not have any idea what are they talking about and obviously will turn their heads when you are really *touch wood* in need of claiming the insurance benefits.

Think and think again whether your family's welfare is more important or that image of an 'obedient' son is more important.

TS, tv always say consumer power consumer power, so use your consumer power lo...(Do not invest to the thing u dont understand within 2 min. It is either u dont understand or the speaker dunno wat is s/he is talking about) from Robert Kiyosaki

For me...if u rich and dun mind to put more money then i nothing to say lo but u r not....i always reply like this to my mum.

If i not mistaken, insurance agent need at least SPM level. If she buta huruf how to take exam on the license leh ?

This post has been edited by junkeat: Jan 29 2010, 06:56 PM

Hi Askm3,

Getting an insurance for yourself and your family is a long term financial commitment hence should not be handled by some half past six person. You'll need to decide now if you'd like to what's right for yourself or just remain unhappy and powerless. You certainly have to take a stand now.

You've posted here asking for our opinion so I believe you're already want a change so get in touch with insurance company and have them change the agent for you as you have the right whichever agent you feel would serve you the best.

As far as understanding the policies is concerned, you may post it the name of the policy and insurance company as I'm very sure most of here could explain the benefit of the product as insurance products don't change that much in terms of benefits.

Cheers,

HH

service is one thing lar. but no need to worry so much abt it. if agent die ald, the co is still there mar.

since she cant explain to u what u're covered, try to get info from co. and maybe write a letter explaining ur situation to the co so they can arrange for another agent to help u.

shldnt be a prob lar. good luck

I usually say no to buy insurance from someone I know.

when money comes in, there is no friendship. split your money and friendship.

u would rather trust ur money to strangers?

u would rather trust ur money to strangers?

i think he means he would never put money on the table because of friendship / relations. that is very smart because such things usually only cloud your judgement.

I would definitely agree to this one as you should only buy based on what you need and not merely because your friend/family member sells it.

Agent commission actually not up to 40%, all in incentive etc only may be. & need to correct, is max 6 years.

Agent in Malaysia do not have any basic, only depend on the policy sold, mostly base on 1st year policy, example RM150 per month - com 25% ILP plan = RM37.50 monthly salary, will you think enough to survive?

& Agent job need to carry a very heavy responsible, but with a very low salary, makes agent unquality in Malaysia.

The true agent should = be a Financial Consultant / Advisor, use to give an advise for the customer, to know what he need, & what he can / should do for a good hold life financial planning & there is a consultant fees we need to pay, similiar a lawyer, but this still not applicable to Malaysia, that's why mosthly agent use to be "selling product" only.

you may contact me I will help with free of charge, remember, if your plan already good enough then you should not lapse your policy & buy a new 1. I will give a very good advise to you, but with a syarat, belanja me makan la

any futher enquiry, please do not hestitate to contact.