Issit the min TPD/Life amount is same with all insurance company?

No, it depends on the age the product design. This is called the multiple sum assured. It is stated very clearly in ILP quotes

izit good if a insurance saving plan is 2 in 1??which de saving plan is with de interest of 4 to 6% per year??

did u mean guarantted 6%/yr and can withdraw anytime?

It really depend on what u want. If u dont want any hassle in investment, traditional life insurance aka savings plan that offers 4 to 8% interest is the way to go. These plans are virtually no risk, and the only setback is that u need to wait for long term.

In investment linked policies, you are subjected to investment risk ie. its the same as all unit trust funds out there. The good thing is that u can bundle every single aspect of insurance in it. But do bear in mind, that if the investment risks are too high or the cost of insurance (cost of the insurer charges to cover you) becomes too high, then the policy may lapse.

It always has its pros and cons, just the budget and the timeframe that suits u best.

Hope this helps and u can pm me if u need more details on what i'm saying here. Thanks

You should study abit on various plan offered in the market, let it be traditional-par and non par as well as investment-linked.

may i know any type of medical insurance that i can buy for my parent ? they are now 45 and 50 years old and i am working now...thanks

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Added on January 9, 2011, 9:49 pmmay i know any type of medical insurance that i can buy for my parent ? they are now 45 and 50 years old and i am working now...thanks

This post has been edited by chuken123: Jan 9 2011, 09:49 PM

You can get the a medical insurance and maybe some critical illness coverage for them..

They dont have any existing coverage? or you just looking for topup coverage for them?

Hi guys...I am from HLA...

Nice to meet you guys...Hope to learn more and help those who dont understand about HLA plan

This post has been edited by anson lee: Jan 13 2011, 05:25 AM

Is Allianz insurance good?

they are the one that don't have co-insurance.

u only need pay co-insurance when u use more then ur room and board 20% cap at rm1000.

Yes. MNet is definitely right on this

A few noobie Q's:

[1] Does PA cover only total loss of use, or also covers injury that can be treated, e.g. broken bone

[2] Is there any worldwide travel policy that also covers while at home?

[3] Can such as above be purchased on-line?

111

Is Allianz rate better than other insurance?

Noob question... may i know how AIA Anniversary Plan works?

It's seems that the insured period is beyond what a normal human being can live..

Need some advice on this.

TQ

i'll answer no.1, yes broken bone caused by accident is covered.

you can compare the rate based on per 1000 sum assured..

If you think you want a second opinion, you may as well get an advise from a life insurance broker. I found this page on the net www.state.com.my. Hope this will help.

looking for a medical card for me and my wife. both 28 years old. im a smoker. pm my inbox need 1 asap. thanks