Hi Guys,

Need Some advice on home insurance or MLTA.
i was originally planning to get the MLTA, but then Allianz had offer me their premierlink which is about 100 per month. total 1500 per year.

which sounds and looks better than MLTA and goes to me or family member instead of directly to bank which i believe is what MLTA is.
i have read the previous posts and found out since its a ILP, its been quoted to me with 100% invested in "allianz life managed fund"

i just need it to cover my home or future home if anything happen to me. i already have a medical insurance.

im worried about the fund allocation, if i need to pay anything extra in the future if the investment had gone bad or something like that.

appreciate your opinion and advice.