I approached one agent online for insurance and the agent quoted me. I clarified with him but he give many conflicting information.

AIA
A Life signature coverage RM500K. - He mentioned that incase of critical illness the premium will be paid for and that I don't have to pay premium.
1) Is this true ?
2) will I receive any payment incase I suffer critical illness. or payment only upon death and TPD.

Tq everyone for your advise.

In total he proposed 4 policy as below (I haven't receive email copy yet)

What I wanted is medical card for myself, wife and daughter and life insurance for myself.

My age 36
Finance jobs
He quoted me

A life signature : 500K = RM390
A lifelink : Medical card 150K per annum(no lifetime limit), Accident 100K, 150K TPD+Death+Critical illness = RM300 (myself)
A lifelink : Medical card 150K per annum(no lifetime limit), Accident 100K, 150K TPD+Death+Critical illness = RM225 (32 year old wife)
A lifelink : Medical card 150K per annum(no lifetime limit), Accident 100K, 150K TPD+Death+Critical illness = RM150 (5 year old daughter)

Note : Additionally he said incase of TPD or death to me the medical card will be free for my wife and daughter

This post has been edited by Spritzer7: Dec 27 2016, 03:41 PM

continued to be paid by insurance company means ??

This is applied for my wife and daughter premium too(which will be paid by me on monthly basis)?

Thank you very much for your explanation bro.... I really appreciate your help