it will be best to sit down to talk about what you're looking for and then from there decide to see if the plan is worth taking.

u can try this page
http://digital.axa.com.my/travel-insurance-malaysia
online purchase got 25% discount

This post has been edited by MICHELE88: Feb 14 2016, 11:05 PM

can i know non lapse guaranteed apply to all company? How about Prudential

This non lapse policy is provided you paid all your 5 year premium on time.

Just go into bill payment and select for Insurance then it will show you a list of all insurance company that you can make payment to.

No-Lapse Guarantee (NLG) is an additional benefit provided by the company. so not all companies have it although many of them do.

As i know Prudential has it, but best to have a more informed agents to explain.

Prulink million's NLG is throughout the entire term. not sure about their main ILP product, prulink one.

interested to buy those medical card as a backup plan..no need fancy fancy type la..i got frens bought at 1K + yearly but when i ask around, it will cost me 3-400 monthly..
then if buy for kids, if parents die they will top up la this n tat..but is there anything simple that i pay monthly 100+ ?

standalone medical card will do. Depending on ur current age as well.

Yeap try the premium indicator and let me know what u see

Dear,

1. age 26, for medical card with TPD and death benefit. The premium range would be rm150-rm200. depends on how much protection you need.

2. It really depends how would you wanna customized your protection. Do you need 36types illness protection?, how much to protect for death insured, do you need hospitalization benefit rider and etc. There's wide variety of customization, but really depends on your objective to what you need and want.

3. All this need a though due diligence on your need before anything can be decided.

Dear,

1. Yes 5 years only applicable to AIA.

2. 3 years applicable to Great easstern

Dear,

1. most of the insurance firm do provide 3 years non lapse guaranteed, some have some don't have. You have to explore this question with the agent firm you are purchasing with.

Dear,

1. Rm300-400 that's costly.

2. May I know whats your

a.Date of birth
b. occupation
c. male female
d. smoker?

3. Yes, there's simple standalone medical card that prolly for medical.

Dear forumers and colleageus,

I would like to point out to make it clear that insurance premium sizes will differ for some. Some of us will pay more than others just like how some of us would pay upwards of RM5mil for a private residence. Some of us would pay a premium for a car with more airbags, some of us would pay for the gadgets and leather seats for the same car that caters for the same exact purpose.

Dear friends, we all have different levels of affordability, different spending habits, different pathways to a common objective that is to be financially secure and stable. We want to feel secure with our finances.

I would like to shamelessly speak on behalf of all planners, advisers, agents, that it is our common interest to solicit business opportunities and in doing so we deliver the right services and advice to the right people in the right way. I pray that this statement applies to all of us in building our careers, and strengthening the finances of our friends here on LYN, as well as our friends around us.

Dear colleagues, while it is to the best interest of the forum and the forumers here that we compete with our own value propositions, I wish none of us (advisers, planners, and agents) will suggest to any prospective customers that they are paying an unfair rate, to cancel their existing policies WITHOUT EVEN LOOKING AT THEIR EXISTING POLICIES AND WHAT THEY COVER just so we can secure the business opportunity, especially with life and medical insurance policies.
Such a practice is foolish and I highly condemn such practices as it is very unprofessional to do so.
A vibrant environment is good for everyone, consumers and providers alike. Let's keep it competitive in the right ways and everybody wins. Otherwise, the victims of unethical practices will only be our customers.

This is a great business to be in where in helping others around us, we build ourselves up too in terms of career and relationships. Though there may be a few bad apples here and there, let's not lose sight of who we are, the practicing standards we carry, and our common mission to have every Malaysian adequately insured.

I'm done ranting now.
Kthxbai

Well said =)

It serves as a reminder to all of us on our profession in this industry

Hi,
Anyone here can advise on total surrender value?
Based on this policy, if survival benefit is withdrawn,
total surrender value upon maturity
= Guaranteed maturity value + Non-guaranteed maturity value
= RM15960+RM105256.68
= RM121216.68
Is that correct?
[attachmentid=6011753]

You're right provided this if falls under Scenario A.

For more accurate amount of the surrender value, you may call up the insurance company and check the cash value as of today.

This post has been edited by lifebalance: Feb 18 2016, 11:03 PM

Dear,

1. Correct one should be scenario A as per shown. It would be wise if you call up the insurance firm to get the latest details of the total value receivable.

Looking for insurance just medical card anyone can show me the way?

also no AIA, that co can go fuck itself

Sorry can't help you