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INSURANCE TALK, ok let start
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HJebat
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 May 7 2013, 10:05 PM
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QUOTE(Pink Spider @ May 6 2013, 10:49 PM) Salah la bos  1. Beginning value: $40,340 is already salah. U pay $X amount every year for 20 years, 20 x $X = $40,340. As such, rightfully your beginning value is "0". 2. CAGR if I'm not wrong, is only applicable where u pay $X LUMP SUM at the beginning, and let the amount grow over a period. E.g. u invest RM500,000 in a piece of land and let the value of the land grow over 20 years. When u have periodic cash flow and a maturity amount, IRR is the correct measure to use. Oooo...I see. OK, thanks. Now I'm very "terror" and expert in calculating rate of return liao lor.  |
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SUSPink Spider
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May 7 2013, 10:15 PM
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QUOTE(HJebat @ May 7 2013, 10:05 PM) Oooo...I see. OK, thanks. Now I'm very "terror" and expert in calculating rate of return liao lor. Take charge of your finances, know what u are putting your money into  |
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koinibler
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May 15 2013, 09:05 AM
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Can any of the prudential agent quote me a pruclinic card, either together with PRUhealth or PRUflexi med medical card?
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michealtan19
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May 16 2013, 01:06 AM
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Getting Started
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QUOTE(soulmad @ Dec 2 2006, 12:12 AM) anyone getting insurance here? is it right time to get now? ur company does insured u is that nessesary to start early? as they say early u need pay cheaper Insurance is need anytime... |
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great.eastern
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May 16 2013, 11:14 AM
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Getting Started
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When you don't need insurance, you buy.
When you need insurance, you cannot buy.
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wwl86
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May 17 2013, 10:18 AM
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QUOTE(koinibler @ May 15 2013, 09:05 AM) Can any of the prudential agent quote me a pruclinic card, either together with PRUhealth or PRUflexi med medical card? Before going straight into products, lets get back to basics. Meanwhile, I am conducting thorough fact finding with you. |
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itsybitsy
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May 17 2013, 12:30 PM
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Getting Started
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I'm interested to buy a term-life policy for 1 year, renewable. Is there such a product in the market?
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ExpZero
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May 17 2013, 12:42 PM
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QUOTE(itsybitsy @ May 17 2013, 12:30 PM) I'm interested to buy a term-life policy for 1 year, renewable. Is there such a product in the market? You are advisable to get Investment link with life protection only as the insurance charges in investment link increase every year. You may reduce or increase according to your needs every year but it will underwrite on your health status on the application time. It works the same as what you need now as 1) term policy for 1 year. The insurance charges only charge you the current age mortality charges with renewable feature as long as you pay the premium. 2) renewable, If you choose not to pay, it will lapse on its own. |
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itsybitsy
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May 17 2013, 01:04 PM
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Getting Started
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QUOTE(ExpZero @ May 17 2013, 12:42 PM) You are advisable to get Investment link with life protection only as the insurance charges in investment link increase every year. You may reduce or increase according to your needs every year but it will underwrite on your health status on the application time. It works the same as what you need now as 1) term policy for 1 year. The insurance charges only charge you the current age mortality charges with renewable feature as long as you pay the premium. 2) renewable, If you choose not to pay, it will lapse on its own. The reason you advice to get investment link is because it is much cheaper? I just need the basic coverage. Planning of buying for a 39 years old, male, non-smoker for sum insured RM100,000. Do you know the what is the estimated premium? |
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joseph8
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May 17 2013, 01:58 PM
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Getting Started
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QUOTE(itsybitsy @ May 17 2013, 01:04 PM) The reason you advice to get investment link is because it is much cheaper? I just need the basic coverage. Planning of buying for a 39 years old, male, non-smoker for sum insured RM100,000. Do you know the what is the estimated premium? Basic coverage as in death, total permanent disability, 36 critical illness and medical card? |
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roystevenung
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May 17 2013, 02:12 PM
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QUOTE(itsybitsy @ May 17 2013, 12:30 PM) I'm interested to buy a term-life policy for 1 year, renewable. Is there such a product in the market? 1 year and renewable means you plan to have it for more than 1 year right? Can Pm to me your email? Ill run the quote later. Thanks This post has been edited by roystevenung: May 17 2013, 02:13 PM |
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itsybitsy
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May 17 2013, 03:02 PM
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Getting Started
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QUOTE(joseph8 @ May 17 2013, 01:58 PM) Basic coverage as in death, total permanent disability, 36 critical illness and medical card? Just Basic coverage as in death and total permanent disability. 36 critical illness is not necessary. No need medical card. Most likely will keep 3 years max only. |
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joseph8
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May 17 2013, 03:09 PM
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Getting Started
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QUOTE(itsybitsy @ May 17 2013, 03:02 PM) Just Basic coverage as in death and total permanent disability. 36 critical illness is not necessary. No need medical card. Most likely will keep 3 years max only. Noted. Thanks for the info. |
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HW89
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May 20 2013, 10:33 AM
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Getting Started
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Hi all insurance agents, Im looking for a quote from Prudential and Allianz. PM me for my details. Thanks
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InsuransAgent
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May 20 2013, 04:40 PM
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New Member
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HW89, check ur pm...tq
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InsuransAgent
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May 20 2013, 04:42 PM
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New Member
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QUOTE(koinibler @ May 15 2013, 09:05 AM) Can any of the prudential agent quote me a pruclinic card, either together with PRUhealth or PRUflexi med medical card? Just give your data: Name: Job: DOB: Smoking Status: Location: H/P: |
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wwl86
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May 20 2013, 11:00 PM
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QUOTE(itsybitsy @ May 17 2013, 03:02 PM) Just Basic coverage as in death and total permanent disability. 36 critical illness is not necessary. No need medical card. Most likely will keep 3 years max only. Is it because you have sufficient coverage on other areas? |
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kinfei
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May 20 2013, 11:57 PM
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-deleted-
This post has been edited by kinfei: May 21 2013, 12:01 AM
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great.eastern
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May 21 2013, 09:34 AM
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Getting Started
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QUOTE(HW89 @ May 20 2013, 10:33 AM) Hi all insurance agents, Im looking for a quote from Prudential and Allianz. PM me for my details. Thanks No interested in Great Eastern?  |
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