thanks for your frankness...could you please confirm that with the agency/company and not just the advise of seniors or what you think.
Thanks....  

It's confirmed. We have discussed about this before. You can also do fact-finding or double-check to have your satisfaction of the answer I given you. Much easier.

I'm one of their new agents. I knew of this VisionLife product. It's best you go to their branch office and ask about how to use  the dividends benefit (only for old policies) without paying annually as you said.

You need the signature of your parents in order to transfer into dividend payments thus you don't have to pay as it reached maturity state. Just ask for the specific form to signup with! That's what I have absorbed from working here and to share with you.

Hope it helps!

General rule of thumb is usually the return is best when one pays the premium every year, until you no longer have to pay, as determined your insurance plan. so, i usually discourage using cash dividend/bonus to pay off the premium, unless one really has problem paying for it.

you can go to branch office, and ask what is the policy all about. but even customer service personnel was still in school when the plan was launched then. they will try their best to answer you, else you need to get someone financial savvy to explain the t&c to you.     

Disclaimer: this is ignoring opportunity cost, whereby you have better places for your money to grow.

As I'm concerned, this is the advise from the seniors. I think it will not affect it as it is the coverage that still matters let's say 20K or vice versa. Also, think in that circumstances, your policy has matured and it is a benefit ONLY for the old policies.

Need some advise! I'm planning to buy MLTA insurance for my upcoming house loan protection. I've been lingering between AIA, Allianz and Prudential. In the end, I decided to take Allianz because when I called to AIA, they said they no longer offer MLTA insurance. As for Prudential, I got a quotation of more than RM200/month for premium payable.

Under Allianz, I have a pretty good offer with RM160/month :-
1. Life & TPD cover RM300k
2. Payor cover
3. 39 Critical illness cover RM300k
Cash value for non-claim on 20th year will be RM32k.

Anyone can advise if Allianz MLTA insurance is good? Will need to sign this soon.

Need some advise! I'm planning to buy MLTA insurance for my upcoming house loan protection. I've been lingering between AIA, Allianz and Prudential. In the end, I decided to take Allianz because when I called to AIA, they said they no longer offer MLTA insurance. As for Prudential, I got a quotation of more than RM200/month for premium payable.

Under Allianz, I have a pretty good offer with RM160/month :-
1. Life & TPD cover RM300k
2. Payor cover
3. 39 Critical illness cover RM300k
Cash value for non-claim on 20th year will be RM32k.

Anyone can advise if Allianz MLTA insurance is good? Will need to sign this soon.

Read the exclusion part and small small fonts first.

Basically MLTA or Life insurance are quite standard and almost the same across insurance companies.

The main different will be the COI (Cost of Insurance) and the monthly premium.

As from above, the coverage are pretty standard with minimal monthly premium and nothing unusual as for MLTA.

is this a place to ask about car insurance?

ive been driving a car under my sister's name for quite some time d... she has her own car (meaning 2 cars under her name) also but the car im driving now is under her name bcoz at the time of purchase, i cannot be owner as I was under 18...

now accumulated 55% NCD... i am named 2nd driver.
is the NCD transferrable ? or if i buy car under my name, need to reaccumulate the NCD?   

The NCD is tied to your name and not the car.

apa maksud anda? saya tak faham.

if this visionplus is a par endowment product (or in layman endowment savings plan), by cashing out the Cash Dividend to pay for premium, one must consider the customer loses to opportunity to accumulate the cash dividend with the insurance company.

so is it just the insurance coverage only that will matter?

Thanks for prompt reply...

She now has 2 cars under her name with full NCDs...
Is it transferable to me in future?

Hi there.

I need some guidance and advise. I am really new into this Insurance topic. I am a fresh graduate, gonna start work in this coming September. I have a SmartProtect Essential Insurance 2 plan with Great Eastern.

I have been receiving calls from RHB insurance agent for the Cash Back Personal Accident Plan. I want to get a PA Plan, and i am currently considering this. Could anyone advise me on this, or perhaps suggest me one that deems more appropriate, or otherwise?

Any feedback would be much appreciated!

Thanks for prompt reply...

She now has 2 cars under her name with full NCDs...
Is it transferable to me in future?

The plan from Great Eastern is a investment linked and it should be a quite comprehensive protection from Life to Personal Accident to Critical Illness to Medical card depending on the riders you are attaching to the plan. It should be enough to cover most of the risk you are having currently as a fresh graduate.

If you are looking for a PA plan, why not you search for General insurance agent and get from them? At least you have someone to service you when you needed the most comparing to buy from telemarketer.
In short, not transferable. When you purchase new car, you have to start NCB from 0%

is there any way i can continue use my sister's name on my car im driving (actually belongs to me) to make use of the NCD
BUT
at the side i draft a legal letter to say the car belongs to me? lololollll.... trust within family is not questionable, just being safe by having things black and white

Is it possible to have multiple ILP-linked insurance
from the same insurance provider ?