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 HLA : Prime Wealth, Not so bad?

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adele123
post Sep 8 2016, 10:30 AM

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QUOTE(MeToo @ Sep 7 2016, 11:55 PM)
Well 9 years aint exactly skim cepat kaya la...

And yes, the way she sells it was like hitting the lotto.... hence why i took some of the points to sit down and look thru it..

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1) insurance is LONG LONG TERM. 9 years is 'short' in insurance sense. so, sad to say, agent has mislead you (the minute i saw 9 years, i know)

2) agents are gonna sell you like it's REALLY good.


adele123
post Sep 8 2016, 10:48 AM

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QUOTE(MeToo @ Sep 8 2016, 10:38 AM)
Its not an insurance, I didnt think there was any mention of protection of big big payout incase I fell of a building or something. More like if I die.. they guarantee to return the principal...
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Put it in another way.

HLA is an insurance company. Whatever they sell, it's still an insurance plan. The information i'm trying to impart is insurance plans are meant for long term.

If you are interested in something shorter term, say 5 to 10 years, please ignore insurance agents.

And the nature of savings/endowment plan is usually lower payout upon death, but higher premium.

hope you understand the difference of endowment plan vs those insurance with higher protection.

 

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