Just wondering does being an insurance agent required to go for exams in MII ?
And also what difference does having certificate with not?

Many "part-timers" just out of secondary schools are recruited and i doubt they have gone thru exams, correct me if im wrong.

Which one is that?
And how much is the fee to complete it?

what does this "5 years guarantee coverage" means?

seems high 2.4k premium can get 30K

impossibiru. u must have mistaken.

Insurance more or less same across board..

But what most important is the servicing agents. if possible dont look for pretty girls or youngster agents (no offense) coz if they resign/stop, ur policy could me transferred to any random agents and they may not service u properly coz they cant get commission.

Lastly, what most important also is the payout aka policy maturity amount how much u can get back, that depends how good the company profit is..
Unless its stated GUARANTEED ?
Ultimately u do hope u can out live ur policy and get back the money, no? unless u are at ur golden age already and expecting the other side soon.

Medical card is it?

rm100 for 1M life insurance really worth it

It sounds like those insurance for housing loan, but 1st time i heard got package for car loan as well.
And its not necessarily to buy.