Hi, catsper,

Just drop by this website.

Would like to drop little comments or help.

You mean the annual premium of 1800 is too high for you right ?

I suggest try to ask the agent to quote a lower premium with the same benefit and see what they say ?

The reason why is because the following:

If it is a unit-linked policy ( usually you could adjust the premium while maintaining the coverage) in this case, if you lower the premium, the difference will be the cash value.

If it is a traditional policy (not unit-linked) , then the premium will be fixed. The premium change is not as flexible if you want to maintainthe same coverage.

Hope this provide a token of insight. ;-) But of course, nowadays the insurance is very flexible. Im sure you know what yourself want or need. Just voice what you want and need.

.

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Added on November 6, 2011, 12:16 amWould like to add one more points.

If it is a unit-linked or investment-linked product, the projected cash flow Is NOT guaranteed. Be aware of the interest rate , or earned rate, or investment return used in the projection. Nowadays, company would generally project the benefits around 1% to 10%. This will be based on the company past experience. Futureinvestment return will definitely be different.

Any question, just drop me a message? Would be glad to help. ;-)

This post has been edited by Pkchong: Nov 6 2011, 12:16 AM