Yes, we're fighting for better retirement benefits. At the moment no retirement age but if you don't produce the minimum quota, its ground for termination.

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Added on August 16, 2012, 7:17 amAiya, you just do a basic life RM 10K without everything else to just open an investment link account. Then monitor and dump / switch / withdraw according to the market on the fund of your choice.

RM 10K life for 6 years is peanut's shell income for the agent.

This post has been edited by roystevenung: Aug 16 2012, 07:17 AM

Any insurance people here can tell me basic things about insurance for doctors? Plus price quote of possible.

Insurance for doctors are similar to insurance for accountants, teachers i.e. these are class 1 occupation i.e. their occupations are of low risk in nature.
Then we have class 2 occupations for example sales man because they travel around and they are exposed. As the class increase, so is the risk hence their insurance premium is higher.

When it comes to basic protection i.e. basic plan, it is recommended that one get plans with
death benefit (the first D), total permanent disability (TPD, the second D), 36 critical illness (or disease , the third D)

The 3 things above are collectively known as 3D. For 4D you have to buy Toto or Magnum. Just kidding.

And of course, not forgetting you will need a medical card.

Most insurance plans also have an optional premium waiver benefit i.e. in the event of total permanent disability or 36 critical illness, not only the person can get the lump sum compensation, he can also get the insurance company to continue paying for his insurance. Because the insurance (protection) has been claimed, it is now running on savings mode. Meaning the insurance company help you to build the savings.

Hi.. any suggestion on medical insurance, coz now i dont have any insurance.. looking for AIA @ Prudential..

How about ING? wanna consider?

Doctor is a professional, Sumore if you are surgeon. I would like to recommend you get a life plus 36 CI plan. Especially for your golden age, 25 to 50...if u wanna quote, just pm me your details will do. Cheers~~

Hi,

Male age 34 with one wife and one 10 months baby looking for takaful (islamic) life insurance + medical protection.
Pls suggest suitable product for us, tq

Need to do comprehensive fact finding with you.
Please spare some time as it is very important to find out what is your needs. I don't go straight into products.

Term Insurance ==>> http://www.bigfatpurse.com/2013/05/financi...ident-of-fisca/

Too low for the protection. 200/m shud can get higher ! Mine got 120k with prudential with only 196 per month.

Hey guys, I have ILP from Allianz.

Unfortunately, the agent that sell me the policy no longer active. It will be troublesome without agent when we need to do Claim or when we need to be hospitalized (as we will not know the procedure).

I wonder is there anything I can do to change the agent? I understand when the other agent take over will not receive any commission.

This post has been edited by almeizer: Aug 31 2013, 09:14 PM

I have great eastern insurance but this month I don have money to pay.
can I pay it next month?
will this cause any trouble??
thanks

Hai Bro,

How long have you been paying the premium?

If there unit funds then it should cover if you didn't pay.

Hello all,

I am planning to get my Wife insured.

What Insurance? To Cover Medical & Hospitality Bills, Illness (Women)

Why? Both we about to reach thirties and babies soon.

So far?
I was approached by a good HLA (Perfect Protection) agent who I insured my personal insurance with.
I would like to know more of other such as Allianz and GE, which I read many Lowyatian brag about being Top Insurer in Malaysia.

Do share your comment in any possible way, even the most critical point of view.

You should call your agent to inquire whether the policy is able to sustain if not paid for one month. Only the agent or the customer service is able to check for you the policy status.

i know this is too long ago, but while i was just surfing around and saw this.....

to be honest bro... you should have a medical card now. Cos PA only covers "accidents or death"

Thus, if you get the 36 dread diseases or anything else that makes you lie in hospital bed, you CANNOT claim anything at all.


that is an incomplete protection you have there...


hope you got a medical card now after all these years.

In my humble opinion, it's not really about the best insurer, it's more about the best agent around you. Insurance product from different company are generally the same, with just different strategies in focusing their product's attraction. Some give high annual limits, some give extra this & that. But it all boils down to the agent that's serving you, cos he is the person who "design" the plan best suits you.

For your case, i suggest insurance plan for ladies while in the same time reviewing your own insurance, as now you might need higher coverage for your growing family.

You should also get an insurance for your babies ASAP for the pregnancy period.

By the way,

I'm Jason from Zurich Financial Services.
Be glad if i could be of any assistance.
016-861 3983

Have a blessed day.

HI

I am Allianz Agent, u should call customer service complain your agent that is better.