Oh how i wish for it to happen also. Too bad Bank Negara implemented it horribly. Kinda forced....

It's quite a hard job, because every person only allowed to represent only 1 company.
But i don't think it is a big issue, since the insurance industry is standardized, products are similar, just a minor different, such as co-insurance, days of room & board, etc......

The main problem is that, agent tends to sell insurance but not plan for risk management.

Bro,
I am from AIA...
able to give u quotations
but i won't promise u that u will surely be accepted as all depends on the underwriting department
jz a service....
pm me if u are interested

Loading depends on the underwriting deparment,
depends on which field u will have more risk then they will give more loading
insurance company do have track record of application rejection
it is best to be honest (both agent & customer)

trying slimming down slowly bro...
instant fast diet and excessive diet wont be good..
trying to take in more fibre as it will keep u contented...
keep ur heart pumping..
cardio is important

Hi all,

Received a brochure from Maybank. For RM37.20 per month, can cover up to RM700,000 for disability from accident.

My question is:

1) Are accident disability insurance necesary and if so, is it better to get from a nrmal insurance company or from the bank?

2) This policy only covers disability from accidents..any policy that cover disability from ANYTHING including diseases in Malaysia?

the insurance is from maybank or etiqa?

ETIQA, which is Maybank's insurance arm right?

Cover death and total permanent disable from accidents? Or only death?
Any exclusions?

Does not cover death, only permanent disability, from total to partial up to one hand or finger, max is RM700,000.

1) the disability insurance is of course important . . . 1 thing good is it gives a great coverage for a small amount only
buying from the bank or insurance company is bout the same . . . just that if buying from the insurance company you have
somebody to service you end of the day

2) yes of course . . . you can try and get a 36 Illness policy for dread diseases, read clearly on the terms & condition b4 purchasing it
premium will definately wont be as cheap as pa insurance

Quick request: I am looking for an agent for Tokio Marine to split comission for renewal of Medic Plus Family plan. No work just a quick renewal. Plan is used as top-up for AXA so you most likely will never have any work besides the renewal. So if anyone is willing to split comission please message me

Guys I plan to switch my insurance company.. My current insurance company is Manulife.. Already 6 years.. My insurance type is Insurance + Saving type. The interest I get every year seem not attractive. If I cancel the policy, can I still get back my money? Anyone try before? If it's not worth it I think I'll have to continue until it maturity date =.=

Hi, I work as assistant in one of the Manulife agency before. So I am quite familiar with the policy.
I can help you do a review and check all the details for your policy if you don't mind.

if don't mind,
we can set an appointment accroding to ur convenience to review ur policy
but i can let u noe, most insurance plan b4 maturity will not let u refund fully,
can pm me ur number if u are willing to let me service you,
or call me @ 017-2917130, Darren Lim

Hi there,

1st of all, we need to know whether its an Investment Linked Plan or a Traditional life Plan. Your terms saving is very general to me.

If its traditional life plan, it is not recommended to surrender at all bcoz you'll lose 80 to 90% of your money. A general rule of thumb, insurance policies need roughly 20 years to breakeven and that depends on how much riders/benefit you attach to it.

But it still come back to the point - what is the 1st reason you bought your policy? Protection purpose or saving purpose. DO NOT mix up these 2 together. There is no 1 policy that can give both things best.

Get someone to review your policy and I believe many of us here can help. There are AIA. Pru. GE n lots more agents here.

Thanks,
Ronnie from Allianz.

Mine is http://www.manulife.com.my/products_savings.htm#04 Manulink save.. Is this traditional life plan? Oh never mind, there stated Investment-Linked plan.. So I will lost around how much if I cancel it? It's already 6 years now..

That time I bought it cause that agent is my friend's friend. Now I call her also no respond =.=.

This post has been edited by shoduken: Jul 13 2009, 12:08 PM

What kind of other riders do u attached with it? Its very hard to judge like that. And the best way is to call their customer service and they will let u know in detail.

Since its an investment linked policy - i doubt you can get back much seeing that the market condition is down so basically your unit price is down too.

Judging from 6 years - IMHO i think it shall be around 35% to 505 OF WHAT YOU'VE PAID.

Thanks

35% to 50% ? Oh wow.. Means I don't even get the interest gain from it as well? If even I wait till maturity, the interest gain from the investment doesn't differ much from what I paid total up? This is worst than bank FD then lol..

ppl already say hard to say, call the insurance company lah.

if it is only your friend not picking up calls, no need to sell lah. just ask the insurance company who is servicing you now lor.

---

Added on July 22, 2009, 2:53 pmI want to publicly complain and request all Malaysia Insurance Companies to release their premium tables on their web sites. Especially those plans where simple pricing is adopted. ie. from age A to age B is RM X.

There is NO reasons why they don't want to be specific in both the features of the plans and the premiums for 'STANDARD' lives.

Its ok not to publish more complicated stuff like investment link or plans that are not meant for 'STANDARD' lives.

without this transparency, we will NOT achieve Vision 2020 !



This post has been edited by mtsen: Jul 22 2009, 02:53 PM

Hello Forumers,

Below is an Investment Linked Product for my daughter (next b/d = 3 y/o) that my Financial Planner proposed:

Prudential Investment Linked:

i) Basic Sum Assured - RM 150K, (Premium - RM 1,018.80 p.a.)
ii) Crisis Shield Plus (Dread Disease Cover) - RM 150K (Premium - RM 1,183.50 p.a.)
iii) Med Card (H&S) - Premium = RM 693.00 p.a. (RM 75K per annum, Life time = 750K, Daily bed = RM 200.00)
iv) Enhanced Prupayor basic - RM 104.70
Total premium p.a. = RM 3,000

What do you guys think?

Xuzen

This is Prulink education plan or prulink assurance plan?

Seems like your daughter policy have huge sum assured on Death/TPD/Dread desease. Which I don't think a child needed so much.

From your daughter policy, I did not see the following benefits, did your agent introduce this to you?
- Enhanced PruParent -> Prudential pay for the policy if the parent Death/TPD/Dread desease
- MCP -> Claim up to 3 times for dread desease
- Accident
- Hospital benefit -> Daily cash hospitalization allowance