Of course you need a good agent to service you. In the event if there are any claims,change of address,change of payment mode or change of nominee etc...you need him/her to come and let you sign the request for change form.

If you bought PA when you worked as a Supervisor,and climb though the career ladder over the years to be a Manager, you are in different occupation class and you deserve a cheaper premium. If your relationship with your agent is come and go, the timbang is not balance enough.Hope my opinion makes sense to you.

Humbble

I personally attended a session of Etiqa BOP.It seems the trend is good for Islamic banking.Easier to be accepted by the Public because of the Maybank logo.The only thing is the returns are not guaranteed.(These were usually not emphasized during sales talk).The speaker is an NLP certified speaker and he condemned about insurance. Which I find it is a bit of contradiction as Etiqa's biggest partners are Insurance companies. He said he earn a lot of money but he lapsed all his policies. Somehow not very convincing for me enough to be part of their team. I do know of colleagues in my Insurance company joining Etiqa but it seems Etiqa agents could be seen anywhere,even setting counters outside Maybank branches where customers go in and out depositing/withdrawing cash.Good business and Etiqa Sales are booming according to my bro-in-law who is their Lean consultant.

humbble