Prulink One Medical ILP
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 Mar 8 2012, 11:47 PM
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#1
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Senior Member
670 posts Joined: Aug 2005  
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QUOTE(umapathy @ Mar 8 2012, 10:58 PM) So what is the best option? take up a standalone card or remain with this? Its how the agent quoted the policy for you . . . Investment-link policy is Thanks  Unit trust + Insurance. So you can have 90% for insurance & 10% for unit trust or the other way round. From what i see here your agent quoted max in coverage for you . . . thats why the return is abit low for 1st year I'll advise you to carry on rather than switching to other |
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Mar 9 2012, 01:50 AM
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#2
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Senior Member
670 posts Joined: Aug 2005
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QUOTE(umapathy @ Mar 9 2012, 12:50 AM) If i remove some of the coverage like hospitalization benefits it could lower the premium and increase the allocation in units? This post has been edited by Colaboy: Mar 9 2012, 01:51 AMNot really . . . if you wanna increase on cash value, increase your investment (include Prusaver) to your policy More coverage means more commission to agents? Higher coverage of cause you need to fork out additional payment for insurance charges therefore commission is higher. Please advice. Thanks |
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Mar 9 2012, 10:42 AM
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#3
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Senior Member
670 posts Joined: Aug 2005
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QUOTE(umapathy @ Mar 9 2012, 06:25 AM) But for Prusaver we have to pay monthly right? You can include additional PruSaver RM100/200/300 monthly for a period of 12 months, if you feel the fund What if our commitments are high and unable to pay monthly. If we can top up whenever we want should be okay too. Another thing if a policy lapses, we can always re-activate any time or there is a time period. What do you think? Thanks & market is good you can continue invest Policy lapse if more than 6 months need to Medical check up before re-active back Policy lapse below 6 months can immediate revive back but have to pay back the previous monthly premium for 3 months |
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Mar 13 2012, 03:13 PM
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#4
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Senior Member
670 posts Joined: Aug 2005
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QUOTE(umapathy @ Mar 13 2012, 10:35 AM) I think keeping the current medical card and getting another standalone medical card would be a good move. My next option looks like ING since the medical card is good. Any advice from sifus. Thanks  |
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Mar 14 2012, 01:37 PM
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#5
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Senior Member
670 posts Joined: Aug 2005
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QUOTE(umapathy @ Mar 14 2012, 10:58 AM) I'm not sure bro i need to check the Statement sent by Prudential. Equity fund & Dragon Peacock fund is good for medium & long term investment . . . its depends on your risk tolerance alsoAny other good funds that i can do switching? Thanks |
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