All about PRUDENTIAL & insurance updates!, any insurance related issue are welcome
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 Nov 25 2016, 08:15 AM
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#1
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Senior Member
945 posts Joined: Jun 2012  
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QUOTE(Neoh1979 @ Nov 24 2016, 08:26 PM) i found out prudential coverage is more expensive than others with similar riders etc....why is it so? A lot of the time an insurance premium is dependent on how your agent designs the plan for you 🤓 For example: A sum assured of RM1,000,000 could be RM2,400 or RM3,600 which translate to a higher cash value. However if you are talking about the Cost Of Insurance, then that's a different story for another time. Best, Jiansheng/Holocene |
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Mar 23 2017, 10:20 AM
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#2
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(fabigadervp @ Mar 22 2017, 05:46 PM) Currently my dad has a medical card that covers up to 70 years old. Any good plan to introduce since he will be 70 soon? Better apply one fast because the last entry age for most medical card is 70 years old!Best, Jiansheng |
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Apr 9 2017, 11:38 AM
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#3
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(brandonkl @ Apr 9 2017, 11:10 AM) Out if curiosity, my friend has PruValue Med for RM1.5million linked with PruLink and he is paying around RM9k in yearly premium up to 80 years old. Wow RM9k, how old is your friend? RM9k per year seems a lot. What is the yearly premium if not tied to PruLink? Depends also how much life coverage he has. Also, PruValue Med is a medical rider hence it is attached to PruLink (I could be wrong) Best, Jiansheng |
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Jun 3 2017, 10:16 PM
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#4
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(seanlam @ Jun 3 2017, 10:12 PM) Under investment link medical insurance plan, portion of the premium wil be allocated to investment namely, unit trust. Your medical or riders all have a COI for that year. So long the COI has been "paid" the rest will go to your investments, after deducting all the required fees, ie: management fee, agent comm and etc.But i dont understand 1) what is the difference btwn Unit trust fund under Basic, and Investment tag. 2) if i pay more than the required premium, the extra $$ will goes to investment or medical insurance? Confused 🤔 Basic should be your life/TPD. At least for Allianz it is. Best, Jiansheng This post has been edited by Holocene: Jun 3 2017, 10:17 PM |
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Jun 13 2017, 04:52 PM
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#5
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(tsssusan09 @ Jun 13 2017, 04:34 PM) Is there any influence to my insurance policy if I am not managed to pay this month premium? I will pay both June and July premium next month. Is it okay for me to do so? Usually you have a grace period of 1 month.Assuming your policy is an ILP, so long the cash value is sufficient to service the COI you should be ok. Best, Jiansheng |
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Sep 12 2017, 08:31 AM
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#6
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(8895 @ Sep 12 2017, 08:27 AM) Hi All, Sure no problem buying from different agents. So long you know who to get in touch with when need be.Is it ok to buy insurance policy with different agents? My wife and my kids policy from my wife agent, and myself and my son from my agent. Now i want to buy another policy is from new agent? Although all insurance policy from the same company Prudential. Is it ok to buy with different agents? Best, Jiansheng |
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Nov 20 2017, 08:43 PM
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#7
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Senior Member
945 posts Joined: Jun 2012
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QUOTE(pr0pofol @ Nov 20 2017, 08:32 PM) so what is prubsn package for takaful life investment linked package just for death/tpd? Try Allianz PremierLink 🤣 |
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