first of all, you misunderstood my post. Sometimes people get typo. What i meant was, since he doesn't want to go through medical check up, no harm for him to try out online. most won't request for medical check up. i did say he will kena loading or rejected.

I did not say medical declaration no need wo. you took my words and jump.

fine, i shall remove my sales pitch... sigh... i think i did violate some forum rules... 

I am diabetic with the blood sugar reading of 8mmol to 13mmol. Looking to buy insurance that I do not need to do any underwriting. Want to buy life insurance with the limit of rm200k coverage.

I am 37 m/smoker

I'm sorry sir, you will not be accepted for life insurance underwriting with that blood glucose reading.
Perhaps you would consider PRS? It is not a life insurance, but it shares some of the features such as a tax relief of RM3,000, and the payout to your next of kin is quick and creditor proof.
Perhaps you may want to explore into PRS?
Here's an overview: http://www.ppa.my/prs/about-prs/overview/
And here's a bit more info: http://www.ppa.my/prs/about-prs/prs-scheme-features/

There is no medical underwriting required for PRS, but it locks your money in till retirement at age 55.
He's not an insurance agent... But to be fair, adele123 is very very knowledgeable.
Frankly he is not wrong as well.

The strict rules on ethics and conduct applies to us, not the consumer & general public.
Relax bro, don't be too uptight sometimes. 

Anyone here experience before or anyone here is Prudential agent?

I purchased an investment link insurance from a Prudential agent 5 years ago. Today, I received a SMS from an unknown person. She claimed that my previous agent already quit the service. She is taking over and I need to sign document that she will be my agent.
Is this what Prudential practice? Is she trying to cheat me?

Thanks.

my insurance got rejected due to obesity, havent appealed tho.

Wondering if other insurance company will also rejected me or once i got rejected, all insurance company will also know about my case.

For example Company A rejected, will company B & C knows about it too? Like CCRIS or CTOS.

No health complication, 25 years old, smoker.

BMI 36

term or whole life / ILP?

if term + needn't go checkup or can use my yearly medical checkup from SJMC (mah fan to specially go do for insurance ), i'd sign up

i've 3 death insurances that pays out double if death by accident - all at $500K basic death payout only
coz $500K is the max without me running around to do medical checkup

--out of topic warning--
Yup, it's that bad to me - i'm my own EX-"bestest" customer/servicing agent
and
when i see FSM's platform of offered mutual funds offer/costs/performances & even direct ETFs stocks... based on an additional 30 years investment (new input + holding existing), i'd "not gain" several hundred Ks based on my Excel caclulations.

note that's just me lar - may not apply to anyone else coz i may be living in my own lalaland & perhaps bad Excel formulas usage
ie personal lalaland opinion & failed AddMaths formulas, may not be statement of fact for other real humans living in real world <statement to ensure no funny legal stuff>
huh? there are?
er.. yearly term (not those 5 10 20 years), non-ILP and as big a coverage per dollar/ringgit as UforLife? and needn't specially go for med-checks (ie. can use my SJMC yearly Executive Health Screening)?
if yes + as simple/straight-forward as UforLife, PM-AIA Group Life ( http://www.publicmutual.com.my/LinkClick.a...2bc%3d&tabid=69 ), etc. let's talk (PM or here also ok) - looking @ consolidating for easier management & better cost (hopefully, bigger biz & less processing ma) 


reason for yearly term = my debts grows & shrinks quite actively & quantitatively (due to leveraging for investments).
my death insurances are mainly for that - to cover my debts/leverage, thus my love ones can get encumbrance-free assets if i die before my "plans complete".

is this called single-premium ILP??

I check before, too bad cannot attach any rider (no medic, no ci, no pa), and still charge 5% and monthly fee as the regular one 
anyway, I do see it useful as non-traditional saving plan which linked to IL unit performance.

btw, last I check, I can only assured for how much lump sum I put,
really can just lump sum 10k, then ask for 100k life assured  :confused:

never heard of such plan,
could it cover death, disability, ci??

sound to me like a target date saving plan, that planning to leave 1mil for family and use this to save up the money...

anyway, I dont see it much different than getting a typical regular ILP, that put the same lumpsum money and then ask for premium holiday:
- regular one got flexibility for ci, medi, pa, or just plain life as the one you mention
- regular one charge lumpsum fee same as the one you mention
- regular one can have premium holiday on and off by request (should be at no cost)
- regular one can start with large sum insured(?) then yearly reduce it manually for free

unless there is a limitation on the sum insured from regular ILP,
I will update my existing ILP for such purpose, as both plan introduce monthly fee and better consolidate into one.
I am still try to understand on these ILPs, if you can show me such non-regular premium ILP that support medi, early ci and pa, I am interest to know more

p.s the fee charged on lumpsum is as much as I paid for unit trust investment from local reputable company, since ILP plan does not advice me as the UTC do, could any one suggest to ILP company to reduce these lumpsum charge?

Anyone surrender AIA insurance before? How to get back our cash value, can i choose get cheque from AIA now?

Need the money. Can i get cheque from AIA instead of direct bank in to my account?