Hi, I was offered by an Allianz Insurance agent for an insurance package with same amount of money I'm paying for my Prudential insurance. I'm considering cancel the Prudential and switch to Allianz. Anyone has any opinion on this? The offers seems too good to be true...

Total yearly commitment: <RM 5K

..........................................Prudential..................................... Allianz
Death:.....................................RM 80K.........................................RM 500K
Critical Illness:..........................RM 80K........................................ RM 200K (inclusive)
TPD:.........................................RM 80K........................................RM 200K (inclusive)
PA: .........................................  0  ..............................................RM 250K
Medical (R&B):..........................RM 400..........................................RM 250
Medical (AL): ............................RM 75K.........................................RM 85K
Medical (LTL):............................RM 225K ......................................RM 825K

Can someone advice me what are the items I have to take note?
Thanks ya...

p/s: reason why I look for other insurance agent? My Prudential Insurance agent too sucks!

Hi, thanks for pointing out the error  . The prudential R&B is AL 75K &  LTL 375K (this is the best I can recall).
I'm 29 female non-smoker.  No health issue. Nvr claim for this matter.

Do you advice me to consider other aspect, i.e the investment value? Although I'm a bit concern I might lost from Prudential side  (my policy started in 2006) but I do not know how to calculate for my lost. I think if I start new policy I need another 4 yrs to accumulate wealth from Allianz and Allianz return is lesser than Prudential, is it true?

Thanks for your advice! 

For investment-linked product, the premium you paid is being used to buy units. The fees and charges of your protection are deducted via cancellation of units from your investment funds. The insurance charge of an investment-linked product is calculated according to a rising rate and the more protection you take, the more units will be deducted monthly. If your selected fund don't perform, soon you will run out of units in your investment funds and you will need to top up your monthly premium, buying more units to cover the fees and charges. Don't expect low premium high protection will last forever.

For your Prudential policy, is it traditional or investment-linked? I need to know more details of the policy so that I can give you a better suggestion.
Regards,
Gavin Lim from ING
cheahyang_0@hotmail.com

Hi there, im also switching from Prudential to Allianz powerlink for reasons below:

1. Same amount of money paid but higher coverage (It's not too good to be true, it is true)
2. You pay nothing when admitted to hospital and exit hospital, just show the medical card (eg. Prudential requires you to pay 10% upfront urself, not claimable)
3. My gf is admitted to hospital last month all of sudden without any medical history for operation. She is using Allianz powerlink. It is the first time experience and luckily the insurance agent helpful enough to guide us all the way from admitting to hospital and doing all the claims for us. We don't have to pay any upfront 10% money, just provide the medical card. Overall cost include specialist checkup is almost 20k.
4. Branded is always more expensive. Besides, they are in the market longer than Allianz hence they must have much higher claims of insurance, When claims are too high, the cost will bear by new consumers, premium is getting higher. Allianz premium will get higher n higher too i believe in the near future.

Just imagine how long it takes to save 20k and gone in 2 days, so pay RM100-200 monthly to insured yourself is a must. A lot of ppl like me didnt see a value in insurance at first but those who get the right insurance will appreciate. All my 2 cents

nice explanation by ronnie. 
nowadays i see alot of allianz agent keep proposed new policy to customer and call them surrender the old policy.. and for me this is not ethical manner.. 

Guys, I have a medical card with GE. Planning to get a top-up on top of my GE. My range is RM100-RM150. What can i get from these range? The coverage, etc?

PReferable other insurance agent.

Other insurance co

i also thinking to change my existing agent in Allianz. Any successful case on change agent?