honest insurance agent! =)

That is what I said what, jangan marah bos

Insurance less for investment, but good for endowment..

insurance for INVESTMENT.

That alone spells trouble.

y now most of the insurance in malaysia is term life insurance? dun hv whole life insurance one meh??

Insure against risks you cannot afford to happen, such as the loss of your ability to earn an income.

For investment, do it yourself. Never mix with insurance because they do not mix. Nothing is free in this world and everything must have a price.

Not wanting to brag, but I just spend less than 30 mins a week reading up on finance and economics, and my investments are performing way better than any managed funds or savings plans in the market. There are many advantages to doing your own research. At the end of the day, you are smarter and you learn through the mistakes.

Think about it, is your 30 mins per week worth more than the fees you are paying to the agent, insurer and the fund manager?

U mau simpan anak murid

I think of myself as a learner, never a teacher.

We can learn more through sharing rather than teaching.

I guess u main stock..Teach me invest pls.

I don't "play". I invest in good solid companies with bright future prospects.

Learn 1 thing now...more plis

Yup well said my friend, well said

seriously, my exgf father damn tulan for buying investment linked products. money better in epf.

at least i dunno any success story. pls correct me if wrong.

got any link for reading material?

damn honest wei.

alot of agent will kill u... though ayam not an agent

Even if the plan is called ILP it is not for investment la ...

With riders that consumes insurance charges like medical, life, CI, accidents cover, disability/ci income added to the plan, how can it be called for investment?

Go read my blog if you want to learn about insurance...

Whole life still got bro, it depends on clients needs and mostly age. For younger clients most agents prefer to give ILP because it has the flexibility to be upgraded (provided healthy).

For example if a single person who just started work just need a basic insurance with medical, he surely cannot afford to pay much. Also a single person does not have responsibility likeus parents has to a newborn child.

Giving a single person Rm1m cover is kind of ridiculous, unless he is rich and afford it. But if he is rich and can afford it, why does he need insurance, as he can afford to pay for whatever that comes to him? Fikir2kan

For whole life, it is not that easy to be upgraded as there is a lot of restrictions. For example the cash calue allocation will need to be resetted etc

Then ayam have to buy more insurance liau