Version 3.00: 29Dec2015

Earlier thread will be closed by admin since it exceeds 2,500 posts.

Kindly reply to this thread if you have doubts in insurance. Thanks!

Can provided the insulin reading is controlled and no other issue like high blood pressure.

Most likely will only be granted life insurance without TPD coverage + loading.

Will need to check with underwriter but it can't be assessed just verbally like this.  Will need to do a medical check up

Let me know if you want to go through it
Bro he trolling only, well known couple a months back like supersound

Err... Frankly cannot pass with those readings.
It's very high. Between 5-6mmol still can squeeze it through, but 7 is 
I don't mean to be rude, just being upfront.

Huh? AIA able to accept for DEATH cover even if diabetic? SURE?

The only product that we have is PruCancer, but the sum insured is only payable upon diagnosis of cancer. It is to be submitted with special underwriting and full disclosure on the health.

You may google for more info.

Death is not covered. Above 6.5 is not able to provide cover for life insurance.

Stating that AXA covers all pre existing illness is kind of misleading bro.

The insurance contract is an offer and acceptance process and if you have receive a letter confirming that the insurer has accepted your diabetic condition without prejudice, then you can safely say they will cover it. Otherwise, it is not properly declared.

More importantly, you had not made any claim in respect to diabetic, for example organ failure, amputation of limbs or blindness which relates to being diabetic.

Should a claim were to arise, and the amount is huge, it may trigger the non declaration of material fact which may void the policy.

AXA or any other insurance company is not doing it for charity. I had also gone thru AXA brochure. The first thing on the Exclusion is pre existing illness.

Dont get me wrong bro, the reason why i say we cannot offer you life insurance is because i dont want you to end up paying for something useless and later you cannot claim. 

what is your age ya

Great Eastern has launched new product- *Great Cherish 80*

*No medical underwriting required, guaranteed acceptance.*
The plan basically cover for ONLY death & maturity benefits

*Fully refund total premium with 108% when policy matured at age 80 *

https://www.greateasternlife.com/my/en/pers...cherish-80.html

There are a lot of non-medical limit underwriting now in the market up to RM1.5 mil sum assured.

Some are even up to RM4 mil. What kind of insurance coverage do you have at the moment ?