1) Investment link product is good but customer need to understand that all the insurance charges will increase every year. The protection is valid unless your's fund units sufficient to pay the charges.

2) HLA Wealth Builder monthly RM500/ month, pay for how long? 20yrs? 10yrs?

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Added on March 6, 2012, 2:41 pm1st insurance? Then I strongly u do the protection coverage such as critical illness and medical card. Which is necessary now. If you interested, pm me for details. Thanks.

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Added on March 6, 2012, 2:51 pmHi, I'm in insurance industry for 8 years already, hope my opinion will help u. Firstly, you must do the protection coverage rather than endowment. Why I'm say so? Cause the endowment plan will need longer time to cumulate you saving which is at least 15 years. But, since your are 24, also is your golden time for your career. You must protect yourself against loss of income due to illness or accident. So, I would recommend you buy a critical illness and medical card as foundation, then only think for endowment.

If you interested, can pm me or call me @ 012-388 6323

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Added on March 6, 2012, 3:49 pmAs my opinion, u should get a medical card for yourselves even currently you are insured by company. The reason is, previous members also told you already, if you are strike by illness and force to leave the company then you are no co er anymore (which really happen to client due to cancer). If you got your own medical cover, then u can transfer all the medical costs to insurance company.

Others than that, u can consider critical illness cover with dividend. Means that, if you are healthy and no claim before, you will get back your premium plus dividend. Why I suggest u take a critical cover is because critical illness are very common now such as cancer and kidney failure. My cousin is a fitness instructor, he is workout and exercise at least 17hours a week, is he healthy enough? But unluckily, he diagnose a cancer. Too bad... The reason I pointed out this, is you can use 1% of your liquid fund to create another 100% liquid fund if you are diagnose a critical illness

Of course insurance agent will receive a commission through plan sold, but this is deserve cause we need to seve u forever, as long as the plan is inforced. Then, in Malaysia, u must get a plan through agent cause company cannot sell a plan directly to client. ( I means in life insurance industry)

If you are interested can pm me or call me @ 012-3886323

Thanks


This post has been edited by simonlai61: Mar 6 2012, 03:49 PM

hi, i am new here too, but i'm already in insurance industry 8 years. Hope i can solve your queries:

1a) Prudential Medical Card i think they have extention of the age limit up to age 100. But the premium not sure cause i am not in this company. U may call the customer service or your servicing agent to confirm. But for sure is, the premium is not cheap.

1b) ING Insurance can offer you a medical card with Annual Limit up to RM140k annual, then lifetime limit is RM480k. the premium will vary according to your age.

2) For your mum case, my company still accept depend your mum health status.

If you want further info, pls do not hesitate to pm me or call me @012-3886323

Thanks

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~~