Reward is good for people doing their job but remember one important thing is insurance is for yourself. Anything happen to you, you claim it not them. Insurance cannot be entertain or help others.

It is ok if your financial allows to help anyone, but not on medical protection because from time to time, you see news in newspaper or online media. Many ask for donations or sponsorship on medical expenses. If I not mistaken, last year BNM reported that major bankruptcy are from usage of credit card for medical bills.

Don't take insurance for saving especially medical card. The saving won't save the day if medical is under cover. All it needs one sickness to mess up the entire life and family members also drag along. Saving can't buy life.

Reward for yourself and family are much more important than to others. Nobody will look at you when you got problem. That's why always say it is better to be prepared before it come . Crossed finger hope it will never come.

Once again, insurance is for protection and not investment. No matter how many shown you how good their performance in saving or investment. To me it means, the insurance company is making money not you. I can give you a tips, check on your policy(only shown in new policy), u can request them to print for you. Their management charges for your cash is arising every year. How much would it be? That's a job for you now..go find out...you would say it is ridiculous of so much amount per year being charged vs with strictly financial institutions .

I did not indicate but you did. The more rider you add on do not increase the roi. That's what I mean in reality of buying ILP will increase total cost for insurance more than traditional except your financial is good and strong. If your financial is strong that's why you don't bother of the return. For the poor, you will end up no where.

AA can help you on that. If not wrong, their office at jaya one.

Yup.. it consider accident. Can reimburse on your PA.

Normally islamic compliant insurance take slightly longer period for claim as more steps in process.

This post has been edited by leonard73: Apr 17 2016, 08:22 PM

Any misleading in the brochure not tally with your policy content. Basically you can make a police report and sue the insurance company under advertising act.