How about a plan with a RM1.5mil ANNUAL LIMIT,
with NO LIFETIME LIMIT,
and comparable premiums?

Are you hearing yourself?

Hey cutie pies,

there's a sandbox by the other side of the playground called "private message".
Maybe you guys can pull each other's hair over there?

Don't come back until you two shake hands and hug okay?

Move along now.

This thread was awesome last time. Very informative.

But now it has turned into agents bickering on which company's plan is the "best"... which is futile, not to mention childish.

I hope we can stay informative, and do our level best in terms of service and advice given, not comparing products or trolling each other.

And for genuine forumers here to look for information, please remember that your policy is useless without a good agent with planning arrangements that suit your style moving forward.
As an agent, I am only as good as how well I can complement your objectives/portfolio. I can be great with a lot of people, but I may still not be the right fit for you.

There's no "best" plan or company or product. Each has its own pros and cons, and the respective prices, rates, etc. Better terms leads to higher rates, and the same is true vice versa.

The option should be available across all companies.

However, why don't you want it to be on auto-debit?
I'm curious.

You are a blessing to your spouse.

While cashback/rebates are great, I don't pay attention to them at all.

I focus on big ticket items and just keeping my lifestyle spending in check.

Step 1: Call the agent.
Step 2: Follow what the agent tells you to do.

Required documents are as what others have stated above.

Insured pass away overseas and body can't be found is raising alarm for a possible insurance fraud.

We'll have to have solid evidence to show that the insured really passed away.
The local Police Reports with name and passport number will help build the case for a claim.

Your friend can contact the Malaysian embassy there, and they will work with you to identify the insured, and furnish your friend with the necessary documents and/or to get in touch with the local police in that country.

I'm sure she will be asking the relevant questions to help get you what you need. So there is not much to worry about.
You only need to know what you want, what's your budget, and if what she is selling to you matches your goals and objectives, and your budget.

Maybe you want to ask her these questions:
1. What do you do for a full time job?
Rationale: There is a lot of part-time agents who are "testing water". Over 90% of these part-time agents will drop out of the industry and you will be left hanging. So you actually want a career agent. A full time agent who is as committed to the insurance industry as you are to your job.

2. Where do you see yourself in 3 years, and why do you want to get there?
Rationale: You want an agent with a clear vision in his/her career progress, and knows how to get there. This is an assurance to yourself that your agent will have the time and resources to assist you in times of a claim dispute should it arise in the future.

3. Where is your agency office located, and is there an agency assistant?
Rationale: This is for you to get to know a little more about the agent's current support systems in terms of the level of service he/she can readily provide to you.

Maybe get to know her background too?
Family, friends, where did she went to school...etc.

I am an insurance agent too and I love it when people that I meet make the effort to get to know me as a person too beyond the purpose that I serve. It just adds so much more to the relationship

Good luck in your meeting!

Just remember to relax, and have fun.

Allianz doesn't do direct business.

Just get your medical insurance first, <RM100/mo.
Others, lain kali baru cakap.

All the medical insurance package from every company are very similar, similar pricing also.
You can safely walk to any insurance agent on this forum and get one medical card as how lifebalance recommended.

Is better you speak to us (agents) in person. You know, meet up, get to know us, we get to know you, who knows jadi kawan baik takde barrier lagi senang nak communicate kan?

Sampai gaduh...

What an irony isn't it?

Money is the root of all evil, yet everybody busy accumulating money.

http://www.bnm.gov.my/index.php?ch=fs_mfs&...fs_list&lang=en

AIA offers such plans with both conventional and the Takaful version.

And you can find the application form and all the information here: https://www.aia.net.my/AHMPortal/download.html

Step 1: Download the form.
Step 2: Print and fill in the form with the plan you want.
Step 3: Walk to any AIA agent you can find and intro yourself, ask them to process for you.

Good point.

Chances are, it is quicker to list down companies with EB that are NOT insured with AIA.

On a separate note, have anyone here heard about AIA Vitality? <<<click to link<<<

More info here: http://www.aia.com.my/en/our-products/icho...brand-purebrand

What do you think about the rewards program?

This post has been edited by JIUHWEI: Jun 16 2016, 11:31 AM

Tun,

I am an AIA Agent.
No it is not compulsory. Paper application forms are still valid.

There would be no difference for you to apply with an ipad, or with paper forms.
The terms will still be the same, the rates, the periods, clauses, conditions, etc, is all the same.

tsk tsk tsk making invalidated claims...
And being so bold to make the claim against thousands of very senior agents in the industry too!

Bashing others just to solicit business shows that you have no value to offer.

I am a registered member with FPAM (Financial Planning Association of Malaysia).

The insurance industry has come a long way, and it has matured from bashing and killing others just to solicit business. For example, I have 5 agency assistants to service my clients and my agents' clients.

How about you prove yourself right? I'm calling your bluff, show me your survey data!
You are the one who made the claim that 99% of insurance agents in the market are basically hiding projected returns, facts and figures from the clients.

And since 99% of agents are crooks, why should anyone buy anything from you? Why should anyone trust you?
You are the one that joined a band of crooks (you claimed it yourself).

This post has been edited by JIUHWEI: Jul 12 2016, 01:29 PM

You must be Donald Trump's best apprentice.