Hi all, sorry noob question

Im planning to draw some money from takaful ikhlas , can you guys help give a rough figure how much i can get.

Cant give much info coz i dont have the policy , but its involves ctitical illness plan with investment iinm.. been paying rm233/month for about 10 years now.

Call Takaful Ikhlas to find out or walk in the branch or HQ

Sorry but wanna ask about AIA insurance.

Recently thinking to upgrade from old medical card which bought by my father, but I personally meet another agent introduced me something about Life, 95 Critical Illness, Waiver of Premium, Medical Plan 200, Accident, Hospital Income in lump sum together, and pay by monthly from AIA.

Is it the so called investment link product (A-LifeLink)? Or what is the name of the AIA product?

This post has been edited by XiaoGuiZuo: Nov 20 2017, 09:36 PM

This is an investment link plan, from your description, it looks like the plan is under A-LifeLink.

Where can I find the list of Great Eastern riders?

May I ask if PRUsenior plan worth the money? Planning to get a medical card for my parents ( Father 62yo Mother 58yo).

The Great Eastern (i) IL Payer Benefit Rider and (ii) IL Payer Benefit Extra Rider, can one have (ii) instead of (i) and (ii) or need (i) and add (ii)?

I saw some online ads, cover insurance for both parent at around RM80 only, from 75 until 100 years age !

Is it per day and what will the coverage looks like ?

depending on the benefit that you are looking for in a medical card and also at your budget.

No idea what you're referring to, if you got link or picture that would be good.

Hey guys, last week a financial planner submitted my info for underwriting.

He told me that I will have around 14 days to decide whether I wanted to continue the plan after I received my confirmation which I've received 2 days ago.

After some consideration, I don't really feel like committing to the plan as I have quite a few commitments on hand now.

IL Payer Benefit Rider- cover death / TPD
IL Payer Benefit Extra Rider - cover death / TPD / CI

normally we will choose IL Payer Benefit Extra Rider , because CI included

You may return the policy to the insurance company under the free look period to get your refund

Hi,

Pls check the linked, all the riders listed with simple description:-

https://www.greateasternlife.com/my/en/pers...uct-riders.html

(i) IL Payer Benefit Rider - Waiver upon death/TPD
(ii) IL Payer Benefit Extra Rider - Waiver upon death/TPD/CI
only can choose one will do. not allow to put both rider at 1 time.

need more info on that. could be just ads attraction. best if you can provide link here so we can help you see through.

you received confirmation or received the policy contract document? the 14 days is after you received the policy contract document with acknowledgement slip dated on. and yes u can still get your full refund of premium paid if it is still under that period (cooling-off period)

Thanks for the info bro, I still haven't receive my contact yet.

Btw, there is something I'm really unsure about the life insurance + investment link.

The financial planner told me, the insured amount will remain in effect even after the policy has reached maturity, as long as there are some minimum amount of money left in the policy which is more or less half of the total amount paid.

1) The policy term is 10 years, so I'll have to make consistent payment for the full 10 years
2) I'll still be eligible for the full insured amount as long as minimum amount of money is still in the policy. E.g. 50k is withdrawn out of 120k is fine.
3) I'm guaranteed the full insured amount after I pass away no matter how old I am
4) On top of that, the money put into the policy will still continues to grow, quadruple if I don't withdraw anything in 30 years. I know it's speculative at this point whether I'll withdraw the money in those long period but just thought it's worth mentioning.

Which comes back to the point, seems to be too good to be true especially the third point.

How is the insurance company supposed to earn any money if I'm guaranteed 5 times the amount of money I put in after my death and still able to get back the money i put into it with interests on top of all that???

Anyone can confirm the correctness of this piece of information or there's something I probably misunderstood and is this applicable to all the life insurance as well?

dear all expert,URGENT

CAN I KNOW WHICH INSURANCE COMPANY AT MALAYSIA COVER IMMUNOTHERAPHY THERAPY FOR CANCER PATIENT.

TQ

Not sure what kind of policy you bought so I would not comment on what the other person sold you on the policy unless the policy book is shown.

Hi Monica for Prudential the client may ask the Doctor to proceed with the request for Guarantee Letter stating the Immunotherapy as a treatment.

Its better by GL (instead of pay and claim) so that the claims dept can check the policyholder type of medical card to see whether it is covered.

reply in blue bro. so are the above your real concern or are you really concern on your financial commitment as you mentioned in your previous post?

Dear Sifus,
I would like to ask opinions regarding the insurance plans for me.

My portfolio:
33yo, Female, Single, Gov Doctor, Nonsmoker, No existing insurance/ medical card

My thoughts:
1. While I'm still working with gov, I would be covered by my GL for a 1 or 2 bedded rooms. And contrary to others, I would prefer to be admitted to Gov Hosp should anything happen to me (touchwood though!).
--> Thus, is medical card pretty redundant in my scenario?
2. But I do believe that once I leave the public service, medical card would be truly essential to cover my back then.

Options in consideration:
1. Investment linked insurance GE Smart Protect Essential
- medical card annual limit annual limit 900k/ no lifetime limit. Death / TPD - 100k. CI-50k. Room & Board : 250
- premium 400/mth

2. Income protection insurance from GE as well + start investment linked with medical card rider after 10yrs from now
- For the income protection: Premium 700/mth, 10 years.
TPD/ Death / 36 CI: 500k. Upon maturity at 20yr : projected cash value of 180k
- After paying endownment-like only package, only sign up for medical card at 40ish

** Can you guys comment on which option is better with pros & cons?
** On average, for the same medical card benefit, how much is the premium difference between entry age of 30 and 40, speaking in terms of ratio?
** I do understand that with any investments, there can be only projected returns and these are affected by lots of factors. But on average & speaking of long term, do majority of the companies achieve these projected returns & thus the cash value?

Thank you