Hi Gavin, I can't keep both insurance at same time, too much $$$ lock in insurance... BTW, why you says should not compare the premium ler?

i am with also with prudential, but my agent is so irritating, he will only get in touch with me when he wanted to push me to buy new plan or ask me to increase my premium... but whenever i call him for some fact finding, he will never pick up my call, if pickup also, said will call back and then just disappeared.

so fed up with him, i gone to the pru's headquarter, but one of their representatives said something like bla bla bla u cannot change agent or something... another said u can, but when ask more details, she is said not sure.

this really confuses me, so can i maintain the policy but change the agent?

anyway, at 1st thinking surrendering pru, and change to allianz, but decided to keep pru and get allianz as top up. a better and wiser option than lose out all the premium that i have paid all these years to pru.

I m quite curious with the benefit stated above. Although I m the holder of pru medical but I have no intention to change. My opinion is u need to study their policy thoroughly to see the hidden benefit for both. Do bear in mind, in this competitive insurance biz, if the difference is differ by too much, Pru might close it biz to it competitors. Good things never cheap, Cheap thing never good, this is my experience. No offence to Allianz agent, I m independence for both side.