Any insurance company provide online account for insurance policy buyer to keep track their money paid record?

Lifestyle: hiking, gym, badminton, swimming, go pubs, party.
have 4 siblings all provided for themselves. mom and dad also support themselves.

any idea roughly how much premium should i be getting?

GE quoted me 3k annually (1.2m medical coverage), is it over insured?

I'm comparing an Allianz plan with Great Eastern..investment linked... On the surface Allianz looks more value for the money.

However , the GE agent brought my attention to the "cash value" whereby GE plan is way superior in terms of cash value 30 years later compared to Allianz (about 30k more)

My question is, can and should cash value be taken into consideration when purchasing a plan? As Allianz agent told me it's not guaranteed and company just simply project . Or do they project on some sort of fundamental basis?

Thanks

Looking for insurance just medical card anyone can show me the way?

also no AIA, that co can go f*ck itself

I recently surrendered a GE policy and was required to get nominee's consent for application for full surrender. Nominee had to sign a consent form before I could surrender the policy. Why do I need to get the nominee's consent to surrender my policy?
Any insurance agents here can enlighten me on this matter?

exiting plan 100k, want to have additional 100k..
worth to upgrade or buy new?

Hi Guys,

I'm 31 and finally I decided to get a medical card/ insurance.

My medical condition as of today:

1. Ankle ligament torn (due to sports). Happened last year.
- 1st doc suggested surgery. I consulted 2 more doctors in another hospital. 2nd and 3rd doc said I can carry on without surgery as long it doesn't stop me from my daily activities. So after 2 months of rehab session I ruled out surgery and I feel normal.

2. Fatty liver (health screening report September 2015).

Are the above serious medical issues for the insurer? I don't want to hide my medical history because I know few years down the road it may cause me problem when if something related to the above strikes.
What I need?

Any medical insurance/ card that offers coverage without extra loading/ exclusion for the abovementioned condition. Are there any?

I welcome feedback from agents who have handled the above condition and I'm willing to buy from you. I have met a few agents before. They are unsure whether the above case can go without extra loading/ exclusion.

So please shed your opinion if you have come across similar case. Presumptions/ speculations will not help me.

Otherwise what I have in mind is apply to a few companies simultaneously (of course declare the history). Select the one which offers me without extra loading/ exclusion and cancel the other policies within the 15 days cooling period.
Is this a practical way forward?

My parent bought me a Whole Life, with Sum Assured (death benefit) of RM 50k. Been consistently paying the premium RM 550 per year for more than 25years. Recently I received the statement and calculating the yield of this plan. Assuming I survive to until policy year 60, the plan only give back cash value of RM116k. At this moment, the cash value is slightly above to my total premium paid.
Seek for your advice:
- Is it Whole Life plan in the market, features are high death benefit, low premium, low cash value?
- I am paying this plan for my next generation?
- Worth keeping this plan? Or I should look for another endowment / saving plan?

Which insurance company offers pure standalone medical card?

If company already provides the medical card for my kids, do i need to buy medical card for them?

Hi! I have a friend, 32ANB, male non-smoker, 175cm, 119kg, no medical history but the dad got hypertension. Is it true that he can't get medical card due to BMI exceeds 35? GE agent suggest him to take Great Early Living Care. But with budget of RM200 per month, the coverage is only RM37k. Is there any other plan that suits him to cover the medical cost?

signed this medical card plan 8 years ago, RM180 premium a month  + RM100 investment link
any medical plan better than this ? feel like want to upgrade

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After careful deliberation and analysis between my current Prudential plan vs AIA, Allianz and Great Eastern, ive decided to just upgrade my current Prudential plan (RM670) to RM770.

I think it terms of benefits and coverage, most of the big providers are quite similar. But Prudential and AIA do stand out from the rest. Second tier would be Great Eastern, Allianz, etc.

I also realised that I do not need to future proof my insurance policy now. Because the industry is so competitive, the big insurance providers are always providing better coverage and terms for very competitive prices. I will make it a point to review my policy every 2 years so as to ensure im getting my money's worth.

I thank all the agents and forumers here who provided their valuable input either on this thread or thru PM's. Much appreciated. 

Does the one lumpsum depends on stages? or once a person diagnosed with kidney problem can straight kick-off the claiming process?

Hi all, dont know whether can ask about takaful here

1.would like to get quotations (takaful, not conventional) for
   A) my 3 month old daughter. Budget 150 for ILP or 90 for standalone
   B) my wife, 29 this year. Budget 250-300 for ILP. Previous policy probably lapse since not paying the premium  2 years ago.
any agents for any company feel free pm me your best quotations.
Preferences:
For my baby, tailor the death/TPD/CI as minimum as 20k and focus more on her medical. Waiver for both my baby and payor
No co takaful would be a bonus
Guaranteed Renewal for Life
No PWC

2. I had medical card with 50k on death/TPD/CI, waiver for TPD/CI, r&b 250, annual 75k and lifetime 750k with premium.200 permonth. I would like to add more on my life coverage. Which is better to do? Upgrade or apply life separately? Some says if have both, I have to pay double for fees and some say more cheap if apply separately. But one thing I do know if apply new the agent will the one that happy lol. I just want a neutral opinion.
3. If it better, what life coverage can i get with 200? Can pm me also.
4. From me, I think ILP as a force saving to cope with rising cost of tabarru later. So is it safe for me to think better I take pure medical card standalone and put that extra money on other investment instruments and use them to cope with the rising premium later in older years?

Many thanks.

What is the general consensus regarding MAA Takaful insurance?

I read from this thread that Zurich is going to buy over MAA in the next few months. How is that going to affect my insurance policy if I take with them?

Hey everyone,

I'm planning to move abroad for work next year. If I get medical insurance now, is there a way to transfer the insurance to my destination? If not, am I allowed to cancel policies after 1 year? Or should I just continue being uninsured until I move abroad? Thanks.

Are there usually penalties for cancelling after a year?

which insurance company?

Hi All,

Wanna to ask how much is the  (minimum) commission that an agent can earn from a sale of medical card? For prudential, great eastern or aia