is this a good product?  https://www.hlatouch.my/en/details?id=1

Term Cash Refund
There will be no loss to you. Every cent of premium paid will be returned*.

An affordable life insurance plan to protect you throughout the duration of the coverage and we will return you the premiums paid* when the policy expires. With premium from as low as        RM 1.33 per day, this plan pays a lump sum benefit upon the occurrence of Death or Total and Permanent Disability. The benefit payable on accidental death will be an additional 4 times of the sum assured. Upon maturity, we will return 100% of the premiums paid* over the years

Is it an added rider to cover for SG and Brunei?

Insurance main purpose is for coverage. No doubt about it.

For lorry drivers, you may need to check with HLA whether the policy is accepted with the same premium.

I would rather go for medical 1st rather than accident or TPD. The reason is because whenever someone meet with an accident, I am sure the first thing that comes to his wife's mind is how serious is it or can he be cured, rather than how much can I claim from insurance.

Hi,

I've purchase a ING Prime Life insurance since 2010 @ RM6k p.a. Recently my agent persuaded me to upgrade the plan esp for medical. Previously with ING my lifetime limit is RM1.2mil. Now with the upgrade, I can get unlimited lifetime limit with AIA (as AIA acquisition ING) at no additional premium paid.

Due to the rider name different from ING and AIA, she mentioned that it cannot be upgraded like this. It has to purchase a new policy, my cash value in ING can be transfer to AIA.

She added that beside the unlimited lifetime limit in medical, there is another benefit whereby AIA can offer is anniversary bonus (increase by 1% per year for 20 years, max is RM100k depend on your sum assured). In other word, total death benefit is Basic Sum Assured + Anniversary Bonus + Cash Value.

Plan that she offered:
A Life Link (up to age 100) RM600k
A Plus Critical Care (up to age 100) RM600k
A Plus Hospital Income Extra (up to age 100) RM100
A Plus Waiver Extra (up to age 100) RM6k p.a
A Plus Med (up to age 100) RM150 room board

I'm wondering whether to purchase new one and surrender old policy. I'm afraid that she is concerning her commission since my current ING policy is about 4 years (as agent will entitled 6 years of commission if i'm not mistaken), hence to persuaded to purchase new one so that she can entitle another 6 years of commission.

Appreciate advise from you guys. Thanks

What's the point of having unlimited lifetime limits if annual limits is critical? Just focus on what kind of protection you want and your affordability.
No matter you like it or not, all insurance agents will hunger for your money to provide better services which they always highlighted. Nowadays agent won't wait for 6 years to attack you. They will strike every year with lots of funny skills and words. Do enjoy their existence.

Annual limit: RM100k
Lifetime limit: Unlimited

Will i get any return money? sorry for nooby question

Is it okay to have multiple insurance from different insurance company?

e.g life insurance from, say, Great Eastern & Prudential.

Ok, or downright ridiculous?

Hi guys,

Perhaps anyone can enlighten me of the difference between:

Takaful, and
Insurance.

Thanks!