1. There is no capital guaranteed if it's an investment link policy. GE will be touching your premium by charging you cost of insurance and commissions. The rest will be used to purchase investment unit. After a few years, you'll start to accumulate cash value

2. You need to customize the plan just like a tailor making a suit just to fit your body size.

Dear

GE medical card+ smart medix xtra is a great plan that covers you rm990k yearly. However, rm250 cost per month could be your age and added disability rider, premium waived rider. It can be cheaper. Really need to know what's your goal and objectives only can design the plan cater for your need.

1. There's no capital guarantee whatsoever for medical plan. Cash value return is never guaranteed. Premium have chances rise in the future but less likely to happen.

2. There's no capital guaranteed for medical plan, however the plan can be cheaper than rm250 for your objective.

Dear

1. That's horrible and unhonorable to misled ppl into submission. If you had just sign, you can request to cancel it, call GE hotline, there's a grace period of 14days to do so.

However, medical plan do provide 3 years non lapse guaranteed, even when investment depleted at downturn within 3 years time, it won't lapse. I think that's what he was trying to say but somehow misled you into believing capital guaranteed lifetime.

2. Rm150 would be nice range to cover all your need. However, what's your age? As age is one of the determinant factor that affects your premium.