Hi all insurance pro,

i notice, for the recent years, the Total surrender value of my policies increased about 90%++ of my annual premium ...

those policies were bought in 1995/98 ... what is happening now?

Isn't it a good thing?

Can you please elaborate a bit? Tq.

would like to get quote from agent here
my next birthday 29, non smoker, teacher
my wife next birthday 25, non smoker, teacher
have 1 years kid

looking for medical card and critical illness, minimum saving
currently i had term insurance from bank with pa so now focus on medical protection
for kid also medical card with min in protection, no education plan pls

anyone can help?

would like to get quote from agent here
my next birthday 29, non smoker, teacher
my wife next birthday 25, non smoker, teacher
have 1 years kid

looking for medical card and critical illness, minimum saving
currently i had term insurance from bank with pa so now focus on medical protection
for kid also medical card with min in protection, no education plan pls

anyone can help?

would like to get quote from agent here
my next birthday 29, non smoker, teacher
my wife next birthday 25, non smoker, teacher
have 1 years kid

looking for medical card and critical illness, minimum saving
currently i had term insurance from bank with pa so now focus on medical protection
for kid also medical card with min in protection, no education plan pls

anyone can help?

hi,

I am looking for a insurance coverage for my son, 8 months old. I am non smoker, 27 years old and the mom is 26 years old.

Please quote me with a budget of RM150/month. I am looking for a complete quotation instead of in point form. Please pm me. Thank you.

want to find good insurans agent around setapak, 26 this year, non smoker, malay, class 1 profesion..looking for death, 36 critical illness, early critical payout and minimal saving only..if there is islamic insurans (never heard?) also good..pm me ur proposal, monthly RM150..

want to find good insurans agent around setapak, 26 this year, non smoker, malay, class 1 profesion..looking for death, 36 critical illness, early critical payout and minimal saving only..if there is islamic insurans (never heard?) also good..pm me ur proposal, monthly RM150..

The early we start the better! Whatever type of insurance that you want to purchase just make sure that you have an absolute idea about the details of the policy. Good thing there are lots of resources now to compare policies for each type of insurance. From its rates, features, and interest rates :-)

would like to get quote from agent here
my next birthday 29, non smoker, teacher
my wife next birthday 25, non smoker, teacher
have 1 years kid

looking for medical card and critical illness, minimum saving
currently i had term insurance from bank with pa so now focus on medical protection
for kid also medical card with min in protection, no education plan pls

anyone can help?

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!

Hi guys,

Im very confused with all the insurance policies available out there.

Im 28 and planning to get married next year, hence require further insurance.

Currently only have medical card with premium about 800 annually, and company provide insurance coverage (cheapest ones).

Looking for life insurance and some to cover against disability.
Please recommend me some.

Thanks guys.

For medical, say if you have multiple medical card with an annual limit of Rm50k each. Should the hospital bill is Rm80k, you can claim Rm50k from insurer A and the balance from insurer B. It is a very common procedure.

For example, the company you worked with may provide medical cover of Rm30k and should the above scenario happens, you can claim the variance from your personal medical card.

For death/critical illness/accidental death/total disability, if you have 5 policies, you / your spouse can claim all of it. This is also why it iw important to let your beneficiaries know where you kept the policies and from which insurer to claim from.