guys, would like to ask how long does it takes for agent to actually pass the hardcopy policy to the insured party for acknowledgement? my agent hasnt come back to me since the last two weeks whn the paper doc was signed by me. i was told the policy of mine has been enforced, in fact the insurance company has debited the first month premium a week ago.

i was also gt told that 1st two months' premium i will be paying 400 ringgits per month respectively as it is a standard practice from all insurance company in order for the policy to be enforced. i would like to know if there is a such practice practised by the insurance company? fyi my premium per month is 200rm. was it mainly due to commission the agent deducted two months premium in advance to secure his commision or what?

Hi Roy, thanks for the detailed explanation, highly appreciated !

sorry a lil confusing in my post, actually the monthly premium is paid through my credit card, deduction for the first two months will be 2 months' premium, RM400.00 ( july & aug) then the following months after august will be as per policy premium, RM200 / month.

now its like i m paying additional rm 200 for july n aug (TOTAL RM400 EXTRA wil be paid ) i feel something doesnt make sense here. if it was just an adv payment for the 2 months, i should be fine, but i was told i have to pay for the enforcement and its like dumping the money for nothing. really not happy now.