Insurance is not a good investment option, however its a good savings option. Furthermore there are plenty of different products to cater different needs. Not juz 2-3 products, but the right mixture can create hundreds of different solutions. I'm not asking everybody to put all their FD into insurance. I only ask a fraction of that total portion.

Btw dreamer, i was living in USA for good few years. I know about their insurance. Their medical insurance are top notch. But now I'm living in Malaysia. So i tried to make the best out of it even though our system is not as up to mark with them.

Also i have quite a number of clients who moved back from oversea.

Halo i cannot afford to pay my insurance in USD la brother. I earn RM ask me to buy USD? U know how expensive their medical insurance is? If convert back, total to beribu-ribu....

Also there are terms and condition on how a person can buy insurance in certain countries.. e.g msia, u need to be a citizen, PR, or working in Msia.

I am neither 3 of them in USA.

Its different than ur Public Mutual i guess....