If icehart has used the wrong scenario you should have just corrected him there and then and save the trouble trying to explain yourself when Lifebalance has called you out.

Though you are stating the facts of the product, your answer does not necessarily answer the question posted hence might cause some confusion especially to the layman. If you were to meet me as a client and pull that move, I'd honestly rip you a new one.

Earlier in the year, I met a public mutual fund agent/agency manager that has handled my parents portfolio for years. I asked her a very simple question of "Are my parents' investments creditor proof?" She did what you did and gave me an answer which did not answer my question but phrased it in such a way that a layman would assume it was creditor proof. I called her out infront of my parents. Her credibility which she built over the years went down the drain that afternoon. As a life insurance agent, clients depend on us to help them navigate through the sea of technical terms and contracts. You better make sure you're a good navigator or it could cost your clients.

Should anybody need clarification with what I've said I am based in PJ/KL we can always meet up for yum cha. I like to drink nescafe ice kurang manis.

Best,
Jiansheng

Yes, at least you are aware of the whole situation and able to think rationally . I am giving answers based on Benefits coverage,definition and clause to fullfill. I believe i will answer all the others that will ask further on. Unless if the question is " Is stroke consider accident ? " Only opportunist like him will want to take the credibility of other agents by claiming they are misleading.Thank you

Congrats you are the first person that knows stroke is not related to accident

Prudential is complete protection which covers
- Death/TPD
- CI
- Medical Card
- Accident
- Savings

1.This is just one of the rider in it. Not a personal accident plan. Maybe it looks like a personal accident plan to you. But its not. Differentiate a plan and a rider. I guess you are knowledgeable to know that definitions right. Since you know Stroke is not even related to accident.

This post has been edited by rcantona7: Dec 17 2017, 06:19 PM

What is the best medical insurance is currently out there?

The one that you have. But in all seriousness, depends on your budget and also what you value as every medical insurance available in Malaysia is slightly different.

Make sure you're comfortable with the agent too.

Best,
Jiansheng

Holocene answer pretty much sums it up.

Best medical plan may cost very expensive so it will depend on your budget on what you need to cover at the moment if resources is limited, you may upgrade it gradually to the best medical plan in the future if budget permits and also the agent to follow up on your claim and providing you the service and necessary financial advise

This post has been edited by lifebalance: Dec 18 2017, 09:27 AM

honestly speaking more or less the same. very similar benefits by various companies. as long as before u buy the one that u r looking at can take away your worries, then you are good to go!

For AIA, can I take the medical claims forward to AIA office if the agent is unreachable/contactable?

You may walk into the branches to fill up the form and submit your claims with the original receipts

yes u can! i have a friend whom agent dun wanna assist her in filing the claims (highly likely because agent is from other state). end up i brought her to AIA Plaza33 to settle her claims.

Does more riders = more commission to the agent?

More rider = higher cost of insurance = more premium you need to pay = more commission to agent

Same concept as you eat economy rice, you pick more food = aunty economy rice charge you more = aunty earn more

Seriously, please stop comparing products in this forum as it only leads to useless debates.

As I had mentioned before, if you do not represent that company, you do not know how the company operates, the latest offering, the detail of the product, how the payout is going to be, what benefits it offers and much more.

Therefore, you are not in the position to comment on the product and even worse, comparing an apple to orange and say apple is better...

As a professional agent, is it your job to bash other company product or is it your job to help your prospect get the proper insurance to help him/family in time of needs?

People buy insurance from you because of your professionalism, period.

Yes of course as the rider may be needed to cover other risk/perils.

For example, the recent flood that occur, many houses does not have flood perils extension and therefore unable to claim under the contents insurance.

Case in point is not having a medical rider or accidental reimbursement rider and when accident occurs, nothing is paid to the assured.

Yes it is an added commission to the agents, but insurance is more about need based selling to cover certain risk.

I see so more riders means more cost of insurance, but then is this cost of insurance same through all the company ?

What i am saying if , company A has a plan with 5 riders , and company B has a plan with 3 riders, does it certainly means the premium is higher in company A?
Or can it be even with 5 riders, company A has a cheaper COI therefore when you add the total for 5 riders still can be cheaper or equal with company B plan because the COI in company B is higher/more expensive.

I am referring to same premium amount.
Would more riders = more commission?

Sorry, double post

This post has been edited by watabakiu: Dec 20 2017, 05:10 PM

No, cost of insurance for riders differ from company to company because of the benefits within the plan differs in the benefit and features.

No, more rider doesn't mean a higher commission, you only pay more on your premium to compensate on the higher cost.

Agent earn based on your premium contribution.

Different riders varies in cost and different riders from different companies also different cost. Every company operating cost is different.

Based on premium. Lets say if ur plan is RM5k premium. One with 4 riders, One with 2 riders (assuming both are same type of plan, eg: ILP), the agent commission is based on RM5k

been using GE takaful for few years now
got baby incoming, thinking on getting medical card for the baby.
looking for combo father+child package less than rm300.

also, my current insurance got investment link,
if i change to others, is the investment can be transfer to new one?

Hmm you can't transfer out the investment unless you cash it out