Yes but doesn't translate into the COI is same when u start buy the insurance.

Let say A buy insurance at 25yr old COI is RM100 then 5 yr later the COI is not the same already it RM200 already.

B buy insurance at 30 yr old,the COI is RM200.

So its the agent told u that buy early then the COI is cheap is completely a lie.

There's few ways to look at it actually as it also depends on the plan purchased. I've got a traditional plan that I bought when I was 21 and it gave me RM70K for just RM101.00. For the same sum of money, I can't get the same plan even for a 21 year old person now.

I toking about ILP

OK noted MNet. I didn't want it to be misconceived by other as a blanket rule.

Looking for PA standalone.

Any recommend?

I've got for myself Centennial PA. You can read about it at Centennial PA

you can try Juara PA from Chartis

Centennial PA VS Classic PA.

Classic PA more better?

I'm at Australia currently, just a student, but I'm from Msia. Currently holding medic bank which doesnt cover much as a insurance.

Well, I'm thinking to get one as a "insurance" for myself and possible a little investment, I know it's a long term investment, but I wouldn';t mind start small.

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Added on December 21, 2010, 10:42 pmI'm at Australia currently, just a student, but I'm from Msia. Currently holding medic bank which doesnt cover much as a insurance.

Well, I'm thinking to get one as a "insurance" for myself and possible a little investment, I know it's a long term investment, but I wouldn';t mind start small.

This post has been edited by mwkh_hope: Dec 21 2010, 10:42 PM

Well do you plan to come back to Malaysia? When would you complete your studies in Australia?

hi all,
im from penang.
anyone who interest to know more about insurance,saving or policy review can pm me =)

I do plan to go bck Msia la but then it would be better if there is an oversea insurance coverage as beside the medicbank that every student must have, i think it would be better to get one for myself.

The reason I asked is because almost all medical card would have a clause that says you're not covered if you reside overseas for 60 or 90 days continuously.

if u work at SG but stay at johor still can

Yes, this is possible.

Hi guys,
I need help. I am overweight and recently rejected in my Insurance application. I currently have medical coverage by my firm however it doesnt stipulate how much they cover. So to be safe i want to get some insurance with a medical card. Know any that might entertain me?

wat is ur weight and tall?

ur height and weight pls?
and do u have any pre existing illness?
btw
i had several overweight customers but are still covered under our medical plan
but i am not sure how much overweight are u

Hi i am looking for a term life insurance for 400k. My weight is around 85kg and height 170cm (overweight). I have high blood pressure. Can i still get insurance and what is the price per annual. thanks. my email is foong_14@yahoo.com, kindly quote for the price.

BTW, I am 27 yrs old, non smoking.

This post has been edited by foong_14: Dec 28 2010, 01:11 PM

In reply to the previous posts..

I am 171cm and 110-115kg. Very overweight. But any idea how to get medical coverage maybe at a bit higher premium. I am just worried in case i lose job or suddenly the firm says we dont cover this.

Btw i dont smoke and I am 25 years old.