Dear Sifu here, I have a question, hope you all can help me answer.

I bought GE GreatProtectLink with medical card (IL-HP150) in 2006.
Now that my income is higher, I wish to upgrade the medical card to 300. Can I do so? Or do I need to buy a new plan instead?

I recently met my agent (which is my mother's agent) and she keep insisting me to buy a new takaful plan with another medical card. She said the older IL medical cards do not have coinsurance and are easier to claim so she advised me to keep the old one and buy another new one. She also said that I cannot upgrade the medical card anymore because apparently GE no longer has the GreatProtectLink plan and has already replaced it with the new SmartProtect plan.

But main point is, I dont want a new medical card, I just want to upgrade the old one. If what she said is true and I cannot upgrade, can I just cancel the medical card and attach the new medical card to my ILP? Or do i need to surrender the whole plan and buy a new one?

Many good full-time insurance advisers I know today were once
part-time advisers

I also know of a few full-time advisers  who are actually pass-time and fool-time advisers

I don't think it matters where you came from or where you are now
What matters most is where you are heading to

I don't think it is right to write-off part-time agents. They just might become icons of the industry

Hi all.... I'm looking for a term critical insurance up to age 60-70, with a sum of 150k - 200k. I already bought PruFlexiMed with ILP last year and wanna buy a critical insurance this year. My details are as below:

Gender : Male
Age until next birthday : 25
Smoking status : No
Working environment : Admin

So far I've found a few plans such as Crisis Cover Plus from Prudential,
ING Critical Cover and Great Secure Care from GE.

Any agents can send me a quote? I am open to other companies as well as I wanna shop around 1st. Thanks!!

**PS: I'm not interested in ILP, whole life or savings plans. Just term plans please....

Calling Great Eastern agents...

29 yrs old male, non-smoker
RM150K assured for life and TPD
Great Income Rider (RM500 per month)
SmartMedic 150
Premium waiver on TPD/CI
No need for CI cover cos I got another CI policy already

What is the optimal monthly premium I need to pay (minimum required to keep policy from out of cash to pay insurance charges)?

Reply here, don't PM me, thanks.

Guys, I have health card from Prudential i.e. PRUflexi med. Annual coverage is 50K and lifetime limit is 1mil. I'm 24 this year. Any ideas if this is adequate? Should I topup more for annual coverage limit?

How would anyone know beforehand which medical card to use when admitted to hospital? In common sense, human will choose medical card with highest annual credit limits as nobody know how much will it cost.

2nd is why having 2 medical card? I would choose to have a 450k annual credit limits for my medical card to avoid all those troubles. Of course everyone want that but it's too expensive. I would say yes if you buy with investment link or saving plan. I bought a standalone and I have no problems of the discussed issue above. It only cause me rm112 per month. 3 yrs back i was paying rm300 per month with room and board rate = rm150. As I noticed it is not even enough to cover basic sharing room rate at hospital. I switched to pacific insurance medical card with my room and board rate at rm 350 much higher than my previous 1 and i only pay rm112 per month. I have saved 188 monthly and i put in to investment and it's more than what i saved in insurance link fund and the most best part is i can withdrawn anytime without any interest compare with insurance company. Be wise all of you.