Hi Stephvin,

With your budget premium of RM200 or less with high protection is quite challenging.

I believe I can match your requirement with Medical Card no annual limit and no admission Co-Insurance plus premium wavier.

Please PM/email me if you interested to know more.

Thanks

Hi, AIA Agent

I read thru the web for A-Plus Med and A Life Med Regular, what is the different?

A life med regular is standalone medical card and a plus med is medical card rider in investment link...

thanks

There's this friend of mine(doing insurance) wanting to see my insurance policy summary, my existing agent is already serving me well so I not too sure why my friend wanna see my documents and even more unsure whether should I share such information with that friend of mine.

Both my friend and my current agent is under same insurance company.

Normally this is one of the strategy, help u with the policy review, then later will propose to u wat u lack of in current policy. If ur agent is serving u well, just tell ur friend.

Who can guide me to buy MRTA, MLTA, or whatever MXXX for the housing loan?

If your friend is genuinely want to help, then it does no harm to do a review and to provide a second opinion on what you were having.

It also gives you an idea of whether what your agent is telling you vs the benefit as written in the policy document is accurate and based on your current and future needs.

From the outcome of the meet, ultimately you decide what needs to be done. Just tell off your friend if he or she is pushing products rather than studying whether what you have matches your needs.

Hi LYN fellows,

I am wondering, would you prefer to have your insurance agent to be in the same region where you work or stay?

Currently, I am quite in a dilemma, one friend of mine who is an insurance agent, is from my home town and I am actually planning to get an insurance plan from her, but the thing is I stay and work in KL.

What you guys think?

Most agents are expanding their businesses and services and they can flying anywhere in malaysia to get sales. What I am trying to say is, eventhough you get from KL agents, they might not able to serve you as well. Or how if someday you being transferred to other states? With today technology, infrastructure and improving services from insurance company, it won't having much issue on your protection and claims. Today business will never like the old days, nobody can guarantee their service is 100% efficient with time constraint. Just remember never lost your insurance policy and that's the important document which most people neglected.

Well, most of the policyholder would want the agent to stay as near as possible as that would make policyholder easier to consult the agent's advise when unfortunate/claim happens.

However, I do have client which is as far as Singapore, Penang and Johore, and I'm able to give them support though phone calls. If it's serious, I might visit them in their state. If it's not serious, I'll send courier service to pick up the original receipt for reimbursement. Afterall, when emergency happens, policyholder should find doctor and not agent

The most importantly is the service and the competencies of your agent. If your agent is good, he will able to help you even it's far, if he isn't good, he can't help you even he live your next door.

Thanks for sharing.

what if she quits from her current job as a fill time agent and join other industry instead?

Most of the agent who has been in industry for more than 5 years are hardly quit the industry, due to the renewal or premium and responsibility in this business. However, it is case to case basis...

Dont worry, quit is normal, die also normal.

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

This post has been edited by stoppy: Oct 15 2013, 08:47 PM

hi bro, with the increasing the medical cost.. usually the old policy will not be good enough to support the current medical cost.
now AIA is offering you the unlimited lifetime limit which is a good plan la and there are no additional premium required and if im not mistaken.. there will be no waiting period on this conversion.

This post has been edited by mcfeemo: Oct 15 2013, 08:53 PM

How come Prudential is more expensive than other insurers? There must be a reason they are charging higher premium.

Please share? 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.

i dont think they will reduce the annual limit..

Annual limit: RM100k
Lifetime limit: Unlimited

This post has been edited by stoppy: Oct 15 2013, 10:43 PM