Hi, im looking at this travel insurance
https://digital.axa.com.my/travel-insurance-malaysia#
So i just fill up the form, pay with credit card, everything are done? No document/agent contact require?

Hi, I'm looking to meet up with an insurance agent this week for life and medical insurance. What are some of the questions I should ask her?

Hi guys, question on car insurance.

What is the difference if we purchase directly from Allianz (through their tele-sales ppl) or we if purchase through their agents?

Any pros and cons?

Hi, any prudential agent can quote me insurance plan ( medical card, life insurance, pa..)  with premium not more than rm300? Female, non smoker, 34 years old, housewife.

Hi guys, would like some assistant with medical insurance.

There was another thread on Allianz Powerlink medical package, so just to cut to the chase are they good enough? Anyone can share any experience they had with this package? Are they purely medical insurance or a hybrid of medical and investment?

Thanks

Guys, please don't laught at me bcos I'm noob.

Just graduated last two months and still seeking for the job. Now I am 28y o , non smoker, healthy..just that i am still penganggur. But monthly i have my own income like 1500.. guess now it is time to get the life insurance for myself. Hence any recommendations for me to figure which insurance that may suit for me. Thanks

Yep!! I read some posts from v1 if i'm not mistaken:find agent that really wants to enhance his/her career as insurance agent. Heard some chit chat from family members (big family i mean) gaduh because of issue on insurance agent recommendation. Thus, that's why i read from the discussions here and prefer to ask here. Alright jiuhwei! Thank you so much for the advice!

Hi guys, would like get some advises from you all.

Could anyone explain to me what is LIFELINK? I have committed one Lifelink under prudential, monthly premium is RM200.

Normally, this kind of policy can commit how many years? Does it worthy for long term?

If I terminate this policy after I had paid one year of premium (roughly RM2,400), how much i can claim back?

Thank you for you all advise. 

Thank you for your advise.

During I purchased these policy, the agent told me the suitable time for termination will be 4 and 5 years. Is it reliability?

Does this kind of policy will lost the premium in short term? Because I tracked the unit of value only RM900, which net loss roughly RM1,500 compared the premium i paid.

Highly appreciated your advise.

Thank you.  :thumbsup:

All sifus here, I am just curious, can we claim from medical insurance when doing medical checkup?

Great Eastern ILP Review 
I would like to have an Open Case study to see if there's any Great Eastern Agent would like to provide free Review and Explanation for policy attached.
Below is My Policy, which i adjust to my preference.

Prefer to have more info about each of the Benefits and what does it really cover???
Such as what is Great Income Rider (mean i sick liao got income?)

What is IL Premium Waiver Extra Rider (i paying rm3.54 monthly, rm37,320 means i sick liao then noneed to pay anything after... but i didn't know it is rm3.54 so high before purchasing... maybe need to cancel this one, add back when i am over 50 years old  )

As any explanation here would be big plus to other buyers (who see) to purchase Great Eastern ILP. Thanks!!

Any advice from knowledgeable Great Eastern agent is highly appreciated, because insurance is quite complicated for me.
Is my adjustment like that okay? 
Noneed PM, let's have open discussions. Thank you very much~!



Thanks again.. 

May I know which company? AIA or Alliance?
Guaranteed renewal without any changes to the policy?

Interested to get medical plan for my parents, aged 59 n 61 yrs old.

I've been jobless (well I do some side business to sustain myself) for half a year now, recently my ex colleague invited me to join him as insurance agent. His aunt, which is also an insurance agent registered me for the exam under her employer which is AIA and even offered to bear the exam fees for me first. No contracts or even verbal agreement have been set though, I am honestly still unsure which company I should apply for when I passed the exam.

She insists that I take up the offer of full time agent, explaining that there's a basic pay scale which differs based on targets. Though I have my doubts because I am still actively finding a job, so I was planning to start as part time first in case a job pops up and I can still keep doing insurance. I do understand the commitment that is needed even as a part timer even if without minimum targets, or else might as well get terminated right 

Just sharing 

are pceia & ceilli open book exams?

Looking at AIA Investment link insurance. How to choose what fund to invest ?
Looking at medium + long term + medium risk above fund ?
Any recommendation ?

Thanks. How many fund shud I choose for initial setup ?

Hi all, i would like to get your advice on upgrading my current life insurance and medical card coverage. My profile are as follows:

1. 39 years old
2. Non-smoker
3. Non hazardous job (executive)
4. No previous serious medical conditions

How much would it cost to increase my life insurance coverage (100K to 500K) and medical card coverage (from 200K to 1M lifetime limit).

Is it cheaper to upgrade together as a package or separately? My current policy is under once package.

I'm just looking at other options other than my current policy. Thanks for the advice.

Thanks lifebalance for your inputs.

Have any of your clients encountered this before - when their life policy and medical card was purchased earlier, there's no exclusions as the client was still healthy.

However, after a few years later when the client wants to upgrade, there is an exclusion imposed,as there has been a consultation with a clinical specialist. My case is a consultation with an ENT specialist on my sensitive nose (frequent sinus problems). However, no operations was conducted, as medical prescriptions was made to control the issue.

Can insurance companies have an exclusion on 'upper respiratory diseases and related' just based on this consultations? I find this an over-reaction (from a consumer's perspective).

Thanks.

Thanks for your explanation.

Yup that's what happened. When I applied for an upgrade recently, I had to also inform my agent of my latest medical condition. As a result, the exclusion was added to the new proposal as I've informed about my current sensitive nose condition which requires a specialist consultation.

What I was surprised was the exclusion was for 'upper respiratory diseases and related', whose definition to me was very broad, despite my issue was my sensitive nose, which leads to occasional flu, urti and sinus.

This exclusion is now giving me doubts on whether I want to accept the new proposal, or to get another insurer's  opinion/quotation.

As my life policy is packaged with the medical card, and its been 8 years with cash value accumulated, i may just want to retain my current plan and look for another life policy and medical card without may exclusions from other insurers.

Thanks again for your views lifebalance. I'll most likely do this.