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 INSURANCE TALK, ok let start

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vinching
post Mar 11 2009, 11:25 PM

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QUOTE(rednails @ Mar 11 2009, 09:49 PM)
I've read someone asking this before but can't find it now...anyway, just would like to ask, which is more important:- the agent OR the insurance company?

I'm asking this because I prefer GE as it has been around for more than 100 yrs. However, the agent was so so only coz he didn't really tell me wat the pros and cons of the plans that he proposed to me. I am the one who had to ask him after I found out from other agents. Example (This, I found out from an AIA agent):- for ILP, the amount that I pay now may not be enough when I'm old and I may have to fork out more if my savings is not enough to cover my premium. This GE agent just tell me that I have the choice to decide when I wanna stop paying. If I stop paying, then the money will be able to cover for my premium. Although wat he said is true, I just feel the info that he gave is not ample and have to wait for me to ask...I know that as a customer I have the right to ask but as I'm new in insurance, sometimes, I don't know wat to ask. unsure.gif

On the other hand, this AIA agent explained to me the pros and cons coz he don't want me to have the shock of my life when I reach the age of 55 and find out that I still have to go on paying for my insurance and maybe at a higher cost. He really tried to understand my needs and tried to match it as close as possible. The problem is that, I'm still abit worried about the AIA and AIG issue thingy altho I've been told by the agent that there's nothing to worry about as AIA is a separate company from AIG.

Anyone from a neutral party who can help me out? I need to make up my mind by this week from who I should buy the insurance from cool.gif

Thank you very much  notworthy.gif
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Pick the one that you are more comfortable with....
Life insurance is for long term....make sure to get someone who is able to give u services after u purchase the product....
U shud do some researches on the products...so that u know what to ask the agents....
Use ur knowledge to qualify them...then u shud know who and wat company to choose from...

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