ermm... if you're talking bout top up den i am sure you're taking an investment link product (ILP) am i right?
my advice as an agent is, try dun drop any insurance plan that is already running ^^
and i think everyone need a life insurance coverage so i would say yes ^^

the reason that u wanted to cancel the policy is because? i dun think is about financial as u stated your liquid assets will be able to sustain ur family financial for another 10 years ^^

i dun think it will affect your top up if you terminate a policy ^^

anyway if you still know your servicing agent you can try contact him/her about it^^
but if you need service from agent you can let me know ^^ maybe i can help out a bit ^^

This post has been edited by morning06: Oct 8 2009, 03:45 PM

u mean ever sell products to LYN members?
if thats wat u mean den NOPE ^^ coz i am new so try asking others ^^ i bliv they are some ^^

welcome to insurance ^^ lol
must at least get C ^^ how much is tat? i dunno >.<'' last time went vf fren all get C ^^
all da best


you mean sum assured 55~75k? what policy u are looking for? medical coverage/critical illness?

This post has been edited by morning06: Oct 15 2009, 02:06 AM

if you manage to finish up ur lifetime limit; which means u are not in perfect health... if you want to apply for another one, you'll have to go thru a lot of medical check up and in the end maybe they wont accept you ~.~ but if you still can show that you are in good health you'll still be able to get one ^^

if you are expose to high occupation hazard as in accident during working den your policy are applied as high risk occupation during your application, which means your premium rate will be charge higher. if tats the case maybe you can reapply again but will most likely have to go thru some check-up issued by the company.

is really strange if you said you are in good health but you're manage to fin up ur lifetime limit even if it is due to accident ^^"' UNLESS ur lifetime limit are way too low >.<''

lol if that person if so suey den i am not sure ^^'' fin up 500k o.O
maybe you can try to ask your agent bout that to clear up?

you really have to make sure again with your agent ^^ tats the best way to avoid any trouble and it will clear your problem ^^

start paying now and coverage only start from 60 till 80?
if anything happen bfore 60??

ermm... if i not mistaken from the medical statistics i found tat there are also quite some middle age/youngster tat get these 36CI nowadays, of coz compare to elders its not that much... correct me if i am wrong?? 36CI coverage is the living costs that one will be relying on if diagnosed as one will not be able to work like the way they were before.

indeed if one is healthy,non-smokers; accident risk is higher and depends on occupation hazard some might even need a big amount of accident cover ^^

solarwing;
if you dun like investment link (which some people find tat traditional is better) my suggestions is you can actually get urself a standalone medical card + PA which i think the commitment is way lower and if you think you need a 36CI u can get another cover for tat. its actually depends on your need rather than asking around; our opinion only can be use as a guide as everyone need is different

ya pretty much agree on tat, no one will get insurance till they have to go bankrupt. tats not the point to get an insurance... tats y everyone have to know their needs and budget ^^

but if one have the budget why not get the covers? its not like you'll lose ur money? u'll get the coverage and the money still come back to u or it will be passed down to your family members when u're gone ^^?

50k cover is really insufficient... i would say at least get a 100k cover ^^
my one cent ^^

no offence

very much agree, 10% of income for insurance is a good ratio ^^

50k is not enuf but for some people with lower income maybe 50k is better than nothing, so i think its depends on one's situation, but indeed nowadays if one is quite stable, 50k coverage is really not enuf...

ya again CI policy main purpose is to cover the living costs after being diagnosed and medical card is to settle off the fees...
my opinion; no offence