guys, want to know, why buy insurance? if an insurance agent approach you and suggest you to buy their life policy will you buy?
INSURANCE TALK, ok let start
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 Jan 9 2010, 05:35 PM
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#1
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Senior Member
2,702 posts Joined: Dec 2004 From: P8X-86A  
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Jun 18 2013, 07:51 PM
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#2
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Senior Member
2,702 posts Joined: Dec 2004 From: P8X-86A
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Hi I wanted to cancel off my great eastern policy and serving prudential alone due to too much commitment now. How much do I loss here if I cancel off great eastern that I had paid for 3 yrs? Thanks and appreciate your advice
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Jun 19 2013, 07:54 AM
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#3
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2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roystevenung @ Jun 18 2013, 08:42 PM) You need to bring your policy to the counter if you want to cancel any policy. You may call the customer service in order to know how much your policy had accumulated in terms of the cash value. could not afford to pay, i have house to pay,bills and so on. 300 for Ge and 200 for Prudential. The agent are quite busy and sometimes 2,3 months din collect premium but come at one time lump sum, also the receipt are sometimes there sometimes not there. asked for auto debit till now no news. that why it is hassle for me, better use prudential coz my fren taking care of it.However, if you dont mind why are you cancelling the GE? What is the coverage for both of the policies?  |
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Jun 19 2013, 08:20 AM
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#4
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Senior Member
2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roystevenung @ Jun 19 2013, 08:10 AM) Never ever pay cash to the agent. Pay thru credi card, debit card, auto debit, online transfer. There has been cases where the agent takes the premium and kena rob also. Also there are cases of the premium iw not being remitted to the insurer. that is what i am worry of, i rather stay with prudential now as i believe in my fren handling prudential. so you think i cancel now is the right time or should i hold on first?  |
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Jun 19 2013, 01:17 PM
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#5
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2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roystevenung @ Jun 19 2013, 08:33 AM) Bos, friend is friend, Prudential or not Prudential, please pay thru credit card, auto debit, online transfer to be on the safe side. ok just now meet with my fren doing GE, tomorrow going to print statement for the whole year and also do auto debit authorization at cimb. make sure that no songlaping is happening. Our job is not to be along and collect premium. You want us to be efficient in collecting premiums or efficient in claims?   |
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Jun 19 2013, 01:18 PM
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#6
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Senior Member
2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roxx @ Jun 19 2013, 08:41 AM) U pay cash to your friend? yeah, but provided with receipt, wanna do auto debit tomolo. |
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Jun 19 2013, 07:59 PM
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#7
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2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roystevenung @ Jun 19 2013, 08:33 AM) Bos, friend is friend, Prudential or not Prudential, please pay thru credit card, auto debit, online transfer to be on the safe side. efficient in claims? boss i think if cancel off GE after paid two years, am i dumb? Our job is not to be along and collect premium. You want us to be efficient in collecting premiums or efficient in claims? |
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Jun 19 2013, 08:29 PM
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#8
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Senior Member
2,702 posts Joined: Dec 2004 From: P8X-86A
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QUOTE(roystevenung @ Jun 19 2013, 08:12 PM) Always reflect at why you get the second medical card in the first place. Your coverage is NOT with the agent but rather with the insurance company. You kena tepuk dada tanya selera on what to do with it. ok thks unker, what i am planning now is to reduce the number of policy i am serving from 3 to 1 only, reduce burden. only left between GE/Pru. Bijak Msia i can cancel it off directly and get back my cash value to invest in better alternatives.Yes we have to be efficient in claims so that the client claims are not delayed. But if the agent runs around collecting premium that leaves the agent lesser time to process the claims. |
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