Hi All Insurance Gurus,

I recently did a review on my policy and decided to top my medical card

My old policy RM150:
Life : 50k
CI : 55k
Medical Card : 300k per life time
No waiver
Inside got cash value 5k ++

I top up another RM150 for the medical card with 10k life. Medical card Annual limit 1M and no lifetime limit with waiver

I had another MLTA worth 300k with waiver

I'm Planning to cut off the old policy since my sum assured is high enough to cover my expenses and it has no waiver and add another early Ci rider 100k into my new policy ( perhaps total cost me RM250-RM300 )

The problem is the cash value inside the old policy, will it worth to dump it all into the fund and let it roll ?

what i'm concerned is the cash value. if I dump it all into the fund. how is the performance comparison between the one I paying monthly in the old policy ?

This post has been edited by bbsanta: Jan 18 2016, 08:05 PM

Unfortunately the medical card can't cause it's an old policy before AIA and ING merged ( old silver card ). Yes the performance fund ( AIA ) is not guaranteed.

Is there a big difference :
I continue with the RM150 installment ( where small allocation goes to the investment linked fund )

or

I cut the policy and dump all the cash value into the performance fund ?

Ok Thanks for the advise