Is Great Eastern's Smart Protect Essential+ Smart Medix Xtra+ Extender for RM250/month expensive? I do get Annual limit of RM990k (Unlimited life time limit), RM100k lump sum for disability+ unlimited medical expenses + premium waved until age 99.

1) From my understanding from the agent, the total premium paid will be capital guaranteed? Meaning, GE doesn't touch my premium and I have access to it after x years in full. Or was the agent BS-ing me

2) Any cheaper plans? I just want medical plan which covers all medical expenses and capital guaranteed if possible lol

The agent misled me into thinking it's capital guaranteed which was the main reason why I signed up for the plan.

How much cheaper can it go? Since its not capital guaranteed, I'm not willing to pay that much premium. Perhaps 100-150 a month? Must cover medical expenses at least.

Hi,
planning to go europe for few months, if i wanted to buy insurance for my travel, i have to buy with our local or oversea insurance company?

The reason why people buying ILP  compared to traditional plan is the level premium

Traditional plan premium will increase as the insurance charges increase:
i.e
Age Insurace charge Premium
30    1000/year          1200/year
40    2000/year          2400/year
50    3000/year          3600/year
60    4000/year          4800/year

Comparatively, ILP
i.e
Age Insurace charge Premium
30    1000/year          3000/year
40    2000/year          3000/year
50    3000/year          3000/year
60    4000/year          3000/year

The excess amount paid in earlier stage will be accumulated and net of excess amount in later stage
If the cash value projected in so low, then the policy will not be able to sustain, meaning to say if even we pay the premium, the olicy will also lapsed.
so, is cash value a concern? depends.......

Darling,

I think he/she is talking about medical insurance. 

And darling, I think you're right for the most part about ILP. 
But hor ILP is a whole life non-par plan. It is designed as a term-life + UT kind of plan.
If the yield return is very low this year, no worries, you get to buy more units.
But hor, let's say in the later years when we all shopping for burial grounds but Najib still haven't resign and the hippo still got hair, then I think we need to do a top-up lah.

Otherwise, premium naik or not, ILP riders COI charges confirm cheaper than traditional plans.

I'm planning to get life insurance (just death and TPD). I heard that general insurance companies give a cheaper rates. Is it true? Anyone can quote me a term life or whole life of 1M age 30 non smoker. Thanks

I haven't signed the policy yet but I will inform the agent tomorrow to cancel it.

I'm 26 this year.

This non lapse policy is provided you paid all your 5 year premium on time.

can i know non lapse guaranteed apply to all company? How about Prudential

interested to buy those  medical card as a backup plan..no need fancy fancy type la..i got frens bought at 1K + yearly but when i ask around, it will cost me 3-400 monthly..
then if buy for kids, if parents die they will top up la this n tat..but is there anything simple that i pay monthly 100+ ?

Hi,
Anyone here can advise on total surrender value?
Based on this policy, if survival benefit is withdrawn,
total surrender value upon maturity
= Guaranteed maturity value + Non-guaranteed maturity value
= RM15960+RM105256.68
= RM121216.68
Is that correct?
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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. 

Hi guys, im aged 30 with non-smoker

Currently has bought almost a year of the GE RM150 R&B medical card, 120k death, 100 CI.

Now I am in dilemma of upgrading the existing RM150 to RM200 or get the AIA one with more tempting benefits but lesser cash value.

Need a third pair of eyes on advice on this issue.

Should I continue another with existing GE, and buy the AIA for 1 year while waiting for the 1 year no-claim period?

Hello All
I'm new here.
Looking for medical card and did some checking around.

Need advice/sharing on below
1. GE medical card - Is this cashless card or your it's pay first and reimburse?
2. On traditional medical card versus Investment Link, in long run which is better from optimizing our money. Meaning, if I buy traditional medical card and the difference I invest?

Thank you for your sharing.

Standalone medical is far beyond the par of investment linked medical plan now.

Major reasons are that stand alone is cheaper in any age caps compared to ILP. Prove can be found out on both plans holder policy under insurance charges schedule.

This guideline had been imposted by bank negara to all insurance company including the agents Commissions and all the hidden charges.

Old plan holder do not find this in your old policy, only recent years bought do hv. If yours not showing this, you cam request your agents to get it for you.

I wanted to highlight here is regardless traditional medical plan or investment linked plan, the insurance charges is quoted based on your age, no insurance co quote you regardless your present age, whereas investment linked medical plan, they used the term 'premium' to include all charges.

i just sharing on my concern of anyone who is interested to get insured and avoid them being twisted into one of the burden in their lives

100 is abit tight but do able

yeap possible if you're still young, definitely not when you're much more older e.g age 40 & above. 

Hi sifu, AIA investment link insurance policy insured you until 100 years old, but their premium amount unchange for 30years; premium amount will increase 30 years later, am i correct? May i know prudential also same? Or if we bought prudential investment link insurance policy until 80 years old, the premium amount is unchanged till 80 years old or it will increase 30 years later?

Hi all, I'm planning to purchase investment-linked medical insurance, budget will be around RM200 to RM250 per month.
Can I have some suggestions on which insurer I should opt for?
There's too many insurance companies out there, a bit confusing.
Thanks.

they will ask u go to their office or meet up to provide u quotation