i also donnu why . . . haha

it's normal for an investment link plan to have several rider / benefits
as your 1st policy RM170 should have quite a basic coverage
make sure your agent is doin FULLTIME, instead of part time

*agent service is ==> the product you are buying

good luck ^^

u got pm

mchambs67 - you got PM

depending on what insurance you are talking about . . . Pru is 1 of the company charging high as well
but remember cheap things dont come good, good things dont come cheap

if you were refering to medical insurance. . . there is lots of plan out there
decide on which is more suitable & easy when comes to claim for you
take note on the coverage, R&B, co-insurance, out-patient treatment & stand alone or investment - link, panel hospital & last most
important the agent who service you.

so far never heard of 1 . . .

Usually ppl buy term insurance when they have a specified reason & period of cover. 1 thing good about term insurace is its cheap & provide huge coverage, which usually dont have much cash value end of day.
Term insurance can be MRTA to cover housing loan, key man insurance for biz loan & etc etc

wellcome & goodluck with your new career

*its a no co-insurance plan & thrust me this is 1 of the best medical card in the market
*does not have hidden limits for cancer/ kidney dialysis
*no co-insurance even if you admited in higher R&B --> as what previous mentioned by another lowyat member
*covers take home drug & not mistaken included doctors report as well --> which most of the card in the market does not
*non cancelable clause to this rider rather than portfolio withdrawal clause


well i believe from what is listed above is good a enough reasons for you to maintain your card with PRU. . . . . end of the day
the final decision is up to you. Always remember if you have the budget, get yourself an additional plan for extra coverage
NOT cancel your previous policy & buy a new 1. You will be on the loosing end

haha . . . . . what you are refering only happens if the policy holder is canceling from the same company & repurchase a new policy, only the agent have no commission payout. Most of the case they cancel other insurer company policy, which will NOT effect. Upgrading a policy
definately will get additional commission, else all the agent out there how to survive friend. Please get your facts right.

This post has been edited by Colaboy: Jun 3 2013, 12:01 PM

you got pm!

for a start to have an ILP plan is somewhere here . . . . .
*personal point of view i will remove early stage CI
+try to increase more in your medical coverage (yearly limit more important)
+if you forget to mentioned the payor / waiver rider

you got PM!

for your case usually its decline risk, base on my experience you could request for the insurer to accept the risk but with premium loading
which is not cheap especially covering for personal accident & medical insurance

The section you are refering to is liability in respect of seamen therefore the defination of coverage is:

The initial idea of P&I cover is to protect the ship owner's interests against claims from third parties and to indemnify him in case ship owner is liable to compensate third party losses

as long as you are malaysian / not involve in manual work / dont have any dangerous sports or activity 1
can be covered up to RM1million PA under an insurer company

RM1MIL @ RM798 / yearly
RM500K @ RM458 / yearly

interested you may always PM me
Thank you

how on what??