Hi, i'm quite new to insurance but i plan to get one soon. Currently i'm looking for a life insurance with 36 critical illnesses, TPD and medical card coverage. I have been searching around the net and i found SmartProtect Essential plan from great eastern. It seems attractive with the investment-linked thing.
http://www.lifeisgreat.com.my/lig4/newlig/...nvestment.htm#d

Currently i'm 25, so roughly how much premium i have to pay each month? Hope to get some input from GE agent here.

Also, how's this plan compare with the other companies like prudential, AIA etc??

It is always not so good to answer like this. 
I know you are from insurance background.
But without knowing the person situation, straight away put an "yes of course" is never right to start with as good advice. 

We don't want to have buy as much as insurance you can.
Yes, if money is not a problem, never mind, buy as much as you can.
But for most people, budget including insurance premium need to be calculative and set for priority.
Overbought insurance or bought useless or serve little purpose insurance especially for middle class can become a big burden as well.
If the woman is not financial pillar of the household, whether the married woman got life insurance or not, is not important at all.
If the husband is the financial pillar, it is much better to put 2x life insurance premium on the husband side.

Medical side, I would put "yes" if can afford to.

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Added on October 24, 2011, 11:24 pmLife insurance primary function is to substitute the financial pillar loss.
Which is always the first consideration whether one needs it or not.

Hi,my wife is 2 months pregnant. I am thinking of buying insurance for our baby. So far only prudential is offering such plan. Any thought on this? Thanksk

I clearly do not understand why many so eager to buy insurance for the baby.

The one needs to buy insurance is yourself and your wife. This is the priority.
While baby/child insurance is secondary if there is no issue on budget side of story.

You love your baby, your wife, you bought yourself enough coverage of insurance first, especially one is the financial pillar of the family.

I clearly do not understand why many so eager to buy insurance for the baby.

The one needs to buy insurance is yourself and your wife. This is the priority.
While baby/child insurance is secondary if there is no issue on budget side of story.

You love your baby, your wife, you bought yourself enough coverage of insurance first, especially one is the financial pillar of the family.

I clearly do not understand why many so eager to buy insurance for the baby.

The one needs to buy insurance is yourself and your wife. This is the priority.
While baby/child insurance is secondary if there is no issue on budget side of story.

You love your baby, your wife, you bought yourself enough coverage of insurance first, especially one is the financial pillar of the family.

They are preparing to send the child to hospital at minor or major incident. Then claim hospital allowance. Hahaha.

When I were small, my mum bought me an Insurance something like Education Fund. But it might cover my hospital or clinic fees too.

When I reach 22years old, I can get certain money from it.

Maybe he need this kind of plan? 

Hi,my wife is 2 months pregnant. I am thinking of buying insurance for our baby. So far only prudential is offering such plan. Any thought on this? Thanksk

if i am not mistaken only prudential have this type of product. correct if i m wrong.

well if that's the case then i think everyone buying insurance would be thinking on the same line as you...to claim hospital allowance...i suppose now i know your motive

no need buy new

just upgrade ur existing plan

hi sifu,

i have a doubt on my medical insurance. i bought the ING Life Insurance + Medical Insurance in year 2002 when I was 24 yrs old. Now my life insurance premium was revised to RM711.55 / year but I have no idea whether my annual limit was increased as well. From the policy, my coverage as below:

1) Annual Limit: RM60,000 (life limit: 3x which equals to 180k)
2) Room & Board: RM150 / day
3) ICU: RM250 / day

It was standalone insurance which doesn't link to any investment account.
As per my understanding, we should always continue the insurance as it is cheaper than buying a new one. I'm fine with the Life Insurance as it comes with the Cash Dividend. But for my medical insurance, i feel it was out-dated as expensive if compared to current market.

So should i terminate this ING medical insurance and buy a new one but my age is already 33 yrs old?

Please help to clarify my doubt. TQ.

Guys, i already have a life insurance plan but now thinking of getting something so called 36/32 illness? For someone at my age 26 how much would be the annual premium? Needed something minimal to cover just in case any shit happens.