hi guys

wan to ask..anyone know bout this

my wife apply car loan 36k for 9 years from RHB.. the agent said due to below 30 y/o ...he said need to buy a Takaful Group Credit Family Plan (HPRTT)..the insurance said is cover the sum 36k...and single contribution bout RM212..

is it necessary or confirmed need to purchase? single contribution means pay only once la?
wan make sure is the agent wan sell more products or what...

Thanks