Hi there! Was reading your advice here, and find it very informative

Recently, my agent contacted me for 'policy updates'
He asked me to switch from my current PRUvalue med (under PRUlink One) to PRUmil med (under PRUwith you).
As I understand, I would need to surrender my main policy.

SOOO, my concern is:
1. They would charge me a new cycle of "Unallocated premium", which is quite a big chunk for first 8 years (current policy only 6 years with unallocated premium). Is that why he wants to 'update' my policy, or is PRUlink One being phased out?
2. Add that, with my now 0 cash value, would this be sustainable for me until the end of my policy (another 30yrs)? You also went with the PVM, non-surrender options, may I get your view on this?
3. PVM lifetime value is quite low (RM1 mil), hence PMM is quite attractive without lifetime limit. But if by doing so, it's not sustainable for my policy, then it's not worth it right?

Appreciate your advice!

Medical inflation is definitely at my mind, considering bypass, and cancer treatments costing more than RM50k now itself, whatmore 30-40 years down the road, haha. I guess that's why was looking around for a higher coverage.

But, PVM also RM9.7k for the same R&B, at 76-80. Seems like the insurance charges are quite similar between PVM/PMM. Or did I see sth wrongly?

Also, as I see it, insurance charges for both life insurance, and medical card, increases every bday of the policyholder. So, why do we get recommendation to buy medical card as young as you can, to keep it cheap? (except the part where you get more disease as you get older).
Yea, thanks for that advice. Definitely need to get income, once you have lost ability to do so.
Am looking into increasing my CI. My current is Crisis Defender. Seems like the new Total Multi Crisis, covers more and have early CI repayment. But charges are more than double.
For PA, I think I'll get separate from Pru, heard it's more worth it.

Agree on the savings I'll get for the co-insurance plans, haha.

Actually, I saw that for R&B 200, Medsaver 300: PVM RM9.7k, PMM RM10.2k.
I attached the pics. Just very curious about the same charges, for such big benefit difference, haha.


Yea, my Crisis Def is until 70. Does it make a difference in terms of costs, if someone gets until 100? We still would be paying the same insurance charges, in the same group right?

Ok, that sounds like a good advice. Thanks for that

Haha, anyway thank you for your help Roy! You definitely are knowledgeable!

For investment-linked policies, if I put extra money into my insurance, does the extra automatically go to investment and becomes my cash value?
And can I withdraw them out to my bank, next time if I want to? Thank you!