For the existing customers the automatic medical extension till age 100 will be in stages and will be announce in due course.

However if you want to do changes (endorsement) to the policy, it is still allowed.

Hi Sifus,

I'm currently having a PRUlink Assurance Plan which purchased since the year 2010. I am thinking of maximising the sum of insured. Since my agent is no longer an agent under Prudential, I just want to get opinions whether is it advisable to "upgrade" my existing plan?

Sure, PM me the details. Coverage etc

Noted and thanks!

do you mean existing customers not automatically extended until officially advised/endorsed by Prudential? so it will take quite a while to endorse all existing customers then

That is correct.

In addition, based on the circular that we had, the automatic extension is only applicable PruHealth and PruValue Med only.

Is there any timeline when existing customers will be informed officially of the extension of the policy till age 100? Else,the insurer can take its own sweet time to delay the extension of existing customers and the new policy expiry at age 100 will only benefit the new customers even both customers pay the same premium?

Looking at things currently (last quarter of 2017), i would expect it will be a year 2018 initiative.

No official timeline was given, sorry.

Is CI and Life policy have incontestabilty period? or just waiting period?

The Incontestability Clause is in the policy general provision, therefore it applies to the entire policy contents, irrespective of the rider's/benefits.

Hi All,
Which fund should we invested for our policy?

My agent allocate below.
Asia local fund 25%
Dana Unggul H. 10%
dragon peacock fund 25%
Equity focus fund 15%
Equity fund 10%
Equity income fund 15%.

Is above allocation ok? or should we just put only in Equity funds which can get more return instead?

Need your help to advise.

Thanks.

I bought the prulink insurance in july. I plan to make a body check up in december 2017. If after checking, there is some healthy problem occur, will prudential refuse to let me make any claim on my healthy condition? I have not been do body checking for ten plus year already.

I would say that it will be dependent on the severity of the health issue being found. Please take note that there is up to 2 years (from policy inception) of "Incontestability Clause" for the insurer to investigate for non-disclosure (of material fact).

For example, if a large tumor was found in stomach and there is history (at clinics/hospital) of gastritis / abdominal pain which was not declared during the policy inception, then there is a high possibility that the claim will be further investigated.

The attending Dr will also be ask to comment on tumor, whether the tumor is possible to be that large in just 3-6 months of taking up the insurance.

However, if there is no such record found in any clinics/hospitals, the above mentioned claim will be honored.

If you understood what I wrote above, then you will know when you should do the body checkup

This post has been edited by roystevenung: Oct 21 2017, 11:02 PM

The funds are way diversified that you may not see a proper projection of your return. Would advise you to keep within 1 to 3 funds to get consistency.

Hi Guys,
my agent is missing so need ur help

currently i'm holding prubsn medical card from 2009
the annual limit is 50k
lifetime limit 150k
room n board rm100
death/tpd 100k

If i upgrade my policy...will the waiting period be enforced again?

The medical card seems under insured. Nowadays newer policies come with 1 mil annual limit

No there is no waiting period for upgrade if it is accepted for upgrade.

However the new medical card will only be active after 30 days, therefore any claims within 30 days will still be claimable from the old card.

You may transfer the policy servicing to another agent if yr agent is no longer contactable.

Thanks for your advise.

Which prudential fund should give the most return? or which fund should i choose?

Any advise?

Thanks alot.

I'm sure you can find it in Prudential's website on the current fund performance however as precaution, any historical performance in the past may not reflect the current or future similar returns, so choose the funds based on your risk appetite : Low risk, Medium risk & High Risk.

http://www2.prudential.com.my/fundpriceV2/daily.php

This post has been edited by lifebalance: Oct 23 2017, 12:21 PM

Thanks for ur advice