Thanks for your information. I just get to know that. Somehow I buy my insurance with my agent with one lump some package. Regard on term life - actually I slighty remember this was taught by my agent before, pls allow me to ask and share. Because base on my understanding is - Term Life also don't cover 36 critical illness. He told me very similiar with PA. And the best part of PA, it is cheaper than term life. That why I choose PA.
Sorry i am not expert in insurance, that why I don't know much about term life.
Of course, i priorities medical over term life mainly because I didnot buy a term life and I really cannot see how important it is. I am not keen to go gov. hospital leh! have to queue, wait for super duper long time leh! rather trust my private hospital.
So do you think I should contact my agent to revise my policy again?! To change my PA to term life? whether do you think I have need onto it. Mind share more detail on PA and Term life different. I cannot see any big different is both yet. Sorry about that.

True enuff.. There is no free lunch. I agreed with your point. No free insurance and insurance is not charity.
In fact, I start to get confuse with Life insurance, PA, Hospital insurance, critical illness insurance... there are so many insurance.. Then what is good for me? Of course as a buyer behavior, looking for the cheapest in value, but received the most benefit in return.
Just let me assume, my understanding was right.
1. Life Insurance will cover whatever PA cover. So that means if I buy Life insurance, then I can ignore taking PA. Right?
2. On top of Life insurance, I should also get another insurance that cover on Hospital insurance. That can secure me, in case of emergency.
3. Sorry this one, I not really sure - what is critical illness insurance right now for me? My understanding critical illness is another top up for Hospital insurance (medical insurance), i remember my insurance agent told me, the critical illness is included in my policy already.

I just visit uforlife.com.my to check how much should I pay for my insurance. I am currently 34. Do I declare myself as smoker? I stop smoking at the age of 24. That means I didnot touch cigarette for at least 10 years by now.
I quote myself to cover @ RM150k.
Guess what?! My first year till at the age of 58, I guess I still able to afford. But after 58yo, my insurance monthly repayment increased from RM200 and going up.... Assume, I retired at the aged of 60yo. How can I afford to pay for monthly repayment of RM200 per month. The worst part is when I reach 70yo, I have to dump RM600 per month... Well it sound scary for me 

I just visit uforlife.com.my to check how much should I pay for my insurance. I am currently 34. Do I declare myself as smoker? I stop smoking at the age of 24. That means I didnot touch cigarette for at least 10 years by now.
I quote myself to cover @ RM150k.
Guess what?! My first year till at the age of 58, I guess I still able to afford. But after 58yo, my insurance monthly repayment increased from RM200 and going up.... Assume, I retired at the aged of 60yo. How can I afford to pay for monthly repayment of RM200 per month. The worst part is when I reach 70yo, I have to dump RM600 per month... Well it sound scary for me 

As explained by TS, in investment link policy, the premium a policyholder pays is invested in funds. The cash value accumulated is then used to cover the charges.

Now, for term life, the premium is lower at younger age. The money saved - you do your own investment lor...

BTW, you don't need life insurance when you retire. What you'll need is medical insurance

Can anyone suggest the best medical card around ?
i.e lowest monthly commitment, but largest coverage

Can anyone suggest the best medical card around ?
i.e lowest monthly commitment, but largest coverage

Hi guys , how much would you allocate your salary for insurance? Is prulink one a good plan? It is an all in one insurance plan and some people advice me.against taking it and suggested to get a separate life insurance and medical card. How valid is this statement?

Hi guys , how much would you allocate your salary for insurance? Is prulink one a good plan? It is an all in one insurance plan and some people advice me.against taking it and suggested to get a separate life insurance and medical card. How valid is this statement?

This is my initial though. I am single mother, taking care of 2 children of my own. In fact, I have not much $ at the end of the month. My burden and commitment is heavy since we had divorced. I have to earn my own living to support my family. Well, currently my family still doing good. My main concern of getting insurance is because what happen to my 2 son if I leave them one day?! Don't expect my ex husband will take care of them. I must look for a way to make my 2 son secure, just in case 1 day. touch wood! For medical card, I think I don't mind to go general hospital if I am sick, that why I think medical card not that so important for me. Further more, i am current healthy. That why, I don't want to keep more burden for me.

I know it is important... but  - anyway how much the least I need to commit for simple and nice medical card monthly? Potentially less than RM50??
Thanks for your information. In fact, I saw the adv beside this forum, claimed that this insurance coverage for RM100k, and only RM9.85 per month. But my aged is not that cheap anymore. But also quiet cheap la! It is only RM12.70 per month. I think I only need to buy this insurance policy until the age of 60. That time, I assume my children had grown up and they should be able to take care themself without me.
Btw I am kind of confuse over 3 products that have in this insurance. - Life Cover, Critical Illness Cover and also Personal Accident Cover. By paying RM12.70? which product I am buying? 3 Products or only Life Cover or either one or 2 of these product?  how how how?
Actually this is my though, since this insurance policy is quiet cheap and is less than my expected. I think I could buy medical card if still beyond my ability.

This is my initial though. I am single mother, taking care of 2 children of my own. In fact, I have not much $ at the end of the month. My burden and commitment is heavy since we had divorced. I have to earn my own living to support my family. Well, currently my family still doing good. My main concern of getting insurance is because what happen to my 2 son if I leave them one day?! Don't expect my ex husband will take care of them. I must look for a way to make my 2 son secure, just in case 1 day. touch wood! For medical card, I think I don't mind to go general hospital if I am sick, that why I think medical card not that so important for me. Further more, i am current healthy. That why, I don't want to keep more burden for me.

Thanks. Anyway was AIA term life works? Just get to find out from it? Buying online like uforlife also? or must buy through agent? Will insurance charge among all insurance company are just the same?? 
I got this advice from my insurance agent. Well, instead depends on my agent 1 side story, that why I come into forum and find out more from sifu sifu here. Just get to realize from someone here. He told me the reason why my insurance agent are not keen to buy term life insurance mainly because of commission gua! that why he refuse to order term life insurance for me. I guess the most important reason.
Anyway thanks. Actually I also get to find out that I actually can buy insurance online as per recommended by few forumers here. Really appreciate with your help and support a poor single mother here.
Had checked the insurance commitment roughly less than RM50 per month is available. But still have some doubt on getting insurance online. Need sometimes to find out more. Cause I got confuse over the product that have in termlife insurance in uforlife. How trustworthy in uforlife? (As it seen like a new grow company in Malaysia, sorry I tak pernah heard of uforlife in Malaysia until recently they do alot of Advertisement.) If anything happened to me, how insurance company will find out that I am death, can do claimed for my children.. etc..

... some people advice me.against taking it and suggested to get a separate life insurance and medical card. How valid is this statement?

Thanks. Anyway was AIA term life works? Just get to find out from it? Buying online like uforlife also? or must buy through agent? Will insurance charge among all insurance company are just the same?? 
I got this advice from my insurance agent. Well, instead depends on my agent 1 side story, that why I come into forum and find out more from sifu sifu here. Just get to realize from someone here. He told me the reason why my insurance agent are not keen to buy term life insurance mainly because of commission gua! that why he refuse to order term life insurance for me. I guess the most important reason.
Anyway thanks. Actually I also get to find out that I actually can buy insurance online as per recommended by few forumers here. Really appreciate with your help and support a poor single mother here.
Had checked the insurance commitment roughly less than RM50 per month is available. But still have some doubt on getting insurance online. Need sometimes to find out more. Cause I got confuse over the product that have in termlife insurance in uforlife. How trustworthy in uforlife? (As it seen like a new grow company in Malaysia, sorry I tak pernah heard of uforlife in Malaysia until recently they do alot of Advertisement.) If anything happened to me, how insurance company will find out that I am death, can do claimed for my children.. etc..

Thanks. I tot medical insurance premium is fixed? Some agent told me, if buying medical card alone is about RM75 per month. Anyway this is my 2nd priority, that why I am totally not keen to ask more about it. By the way thanks for your information.
"While you have no life or term life, you have no "backup" financial support for your kids, if passed away." - this is the main reason why I am looking forward an insurance to protect my family.
It happened to me on one of my friend, who recently pass away in an car crash accident. He had 3 children and an unemployed house wife in his family. Feel sad, after this incident. He eldest & 2nd son, currently only at the age of 19 & 17, have no choice by have to leave their education to support their family. Wondering how nice, if my friend had bought insurance before he death. His children will at least have some fund to support them for their living.
At least his children is in working age. But my children is only 5 & 12. Father not supporting... 
Who will be going to help them. The only things that come into my mind - insurance lol. That why I am looking now.

It okie to share that I am single mother. In fact, I feel proud of myself being a single mother. Before I divorce, I was a full time house "wives" only rely and depends on husband. After I divorced, I earn my own living, having own ability taking care of my 2 children. Sometimes, I always feel proud of myself being a single mother, that why no need to feel bad that I am a single mother. Without a husband, my life is still meaningful. Cheer...
I pretty like your statement - " Poor people usually won't easily gets sickness, eat moderately and regular exercise will be the best way to prevent sickness." Well, if life without medical card, no choice we have to help ourself more. Right now,I am doing Qigong the prevent myself from getting cancer and other illness. My blood pressure, sugar level and other part of my body still working fine. I did my medical check every year as required by my company. Somehow if can afford a medical card, of course will be the great. If cannot then what to do?
I may agreed with you. No medical card. depends on government hospital or semi private government hospital such as HUKM and UM lol. What to do?! Well, I think Semi Government hospital service is not that bad too.

That why, I think medical card will be only my 2nd priority, my 1st priority goes to a insurance that can take care to my children, if anything happened on me. At least, by having this insurance, it can compensate them will $$, to pay for house installment, or their education or daily usage. I think it is important to me.

Thanks. I tot medical insurance premium is fixed? Some agent told me, if buying medical card alone is about RM75 per month. Anyway this is my 2nd priority, that why I am totally not keen to ask more about it. By the way thanks for your information.
"While you have no life or term life, you have no "backup" financial support for your kids, if passed away." - this is the main reason why I am looking forward an insurance to protect my family.
It happened to me on one of my friend, who recently pass away in an car crash accident. He had 3 children and an unemployed house wife in his family. Feel sad, after this incident. He eldest & 2nd son, currently only at the age of 19 & 17, have no choice by have to leave their education to support their family. Wondering how nice, if my friend had bought insurance before he death. His children will at least have some fund to support them for their living.
At least his children is in working age. But my children is only 5 & 12. Father not supporting... 
Who will be going to help them. The only things that come into my mind - insurance lol. That why I am looking now.

Dear Sifu,
Need some advice.
My Car is Axia. Loan Installment from PublicBank. 9year term
Is Public Bank Car policy under Liberty Insurance Berhad?
Now 1 years old coming for my car.
Now i receive a premium statement which need to renewal my car insurance.
Basic Premium RM1131.80, -NCD 282.95, so now include GST = 50.93 and Stampduty = 10.00, total i need to pay is 909.78.
Im ist time buy car, so do 2nd years insurance premium so high?
If not mistake, old toyota aonly 3++ per year and old Proton less the rm100 per month.
Any advice? Do really so high? Do i need change to other insurance?