not excluded as my agent told me.. when i started to buy it.. the agent say must wait for 1 yr cooling period for commit suicide.. lol.. my agent.. (hope experience agent can clarify this part)

he is the son of the branch manager.. i bet he won't dare to cheat me

explain everything from A to Z.. like 6 hrs ... free me umbrella and many gifts like pen calendar etc..

This post has been edited by aromachong: Apr 16 2016, 09:18 PM

Suicide 1 year later only can claim for new policy.

thanks for the clarification

meaning he did not cheat on this part

he is a super good agent thats why i don't bother to pay around 900 per month

been few years already only i realize .. cannot be used for fevers , flu lol...

This post has been edited by aromachong: Apr 16 2016, 09:21 PM

Well, better check back your policy, remember, insurance agents will only cheat and mislead to secure a business.

Nope. i don't have plan to commit suicide, this is what he explained to me haha.. i just want to clarify it cause i still remembered it

so the experience agent has clear up the air.. thanks to lifebalance

This post has been edited by aromachong: Apr 16 2016, 09:24 PM

Yup..commit suicide need wait a year...haha

Free umbrella? Oh boi..do you know that you can ask for few hundreds dinner for that 900 per month.

One thing for sure, you will get more policies in your coming years if ur finance survive or the other way chopped off all policy like super sounds..

My advise not to bind medical with saving and life n others

If your plan took out medical I can guarantee your saving will be more because among insurances medical is d most expensive one. When you buy together, they will give you a so so medical protection if not you won't be able to see a positive figure in your saving.

yes i but i did not show up for their dinner

i will try to adjust this but need to consult them first

actually i just need a medical card but ended up paying this because he is honest with me and willing to explain 6 hrs for A to Z

for that, i shall reward him

Explain why can't a customer combine a medical, life & savings?

I did explain in my next PARAGRAPH .

I don't think that explanation is proper. Whatever the client spend in a policy. It doesn't matter how many rider they add on as long as the primary is able to substantiate the cost of insurance. You're indicating the client should buy multiple policies for each different rider. This in return will increase the total cost of insurance because of multiple policy fees.

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 .

it's okay .. rm900 per month looks fine for me.

just want another card that can give me access to fever flu etc that does not need admission

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.

Noted

I have a friend's friend do commit suicide, he bought high premium life insurance, before this, he already generate rm1M of debts due to business failure

is claiming easy for maybank etiqa senior pa insurance?
anyone bought this?

Good luck on your claim, my car insurance with Etiqa when submitting the claim were the best, about 2 months waiting after submitted all the documents:thumbsup:

total lost take 1 month time . car theft 3-6 months

Mine was accident, getting report are quite fast from police since I'm claiming my own. But waiting time