spending bout RM300 a month on a RM200k coverage is bout as max u can go. thats wut i think anyways... anything more than that.... consider it alot.... but u will increase sum assured if u have property and a wife. house loan without insurance is dumb. if anything happen to u at least ur death can pay out the house and make ur loved one's life abit easier to take. its call life planning....

my 2 cents...

dreamer, not everyone is well verse with life planning. it takes time to learn. u were once learning rite? and still are now. learning never stops... so chill la bro....

supreme living care from GE. covers death,permanent disability (hand/legs cannot work also claim - permanent liao wut) and CI (critical illness). not only disability is important.... CI is also very very important.... we used to think that ppl aged 50-60 will kena cancer... now we find younger generation kena cancer ade. so? its also important issue here for CI. and medical card is as much as an importance also. if u cant afford insurance, get a medical card.

my insurance used to be RM100k coverage. but now that i own a house (loan is RM200++k) so i just up my coverage to RM200k just in case anything happen to me i dont need to burden my family or loved ones. thay can just clear the house sum at one go. insurance is not for untung wan... its for u to feel secure u dont need to burden ppl after ur gone or while ur still here u kena CI/disable u still can survive. if u looking for untung, invest in stocks better....

RM200k coverage RM300+ a month only. its not only the house it can cover. lets say u die young... u have kids... the MRTA will cover the house... ur kids? let ur wife work hard to feed them is it? come on... u dont have to calculate so much rite? LOL.... i trust insurance agency better than bank anytime but have no choice buy MRTA only. my mrta also is RM200k (full coverage) pay more little bit ok la... cut off the lanslide thingy off. my house not on a hill also....

lets just say IF U ARE PREPARED NOW... if u die young, ur family,wife at least have some money to roll. RM200k in the coming days is not much my dear frens....so think about it...

just my 2 cents

dreamer....i dont think there is a choice by not buying MRTA. u have to get it from the bank.... no choice unless u get loan from insurance company.... if from bank, they will get it for u... compulsary rite? i dont really know the payout scheme.... but how also.... i better get my own insurance topped up... u know how banking works... SLOW...

but if u dont buy, anything happen to ur house, no coverage.. like fire and all.... so better not la....buy only... not much la... bout RM300 per year. okla... not every month but some when u buy its already included in ur loan. meaning the amount u pay everymonth... its inclusive of mrta protection. ur loan already absorb the MRTA for u... so indirectly ur paying it also....