if u change to others, the only way is to cash out from your existing plan and put into the new one.

what do u mean combo father+child package? meaning one plan that covers both medical for father + child?

anytime can cash out or got certain period eh? need to read back my policy

like family plan, purpose is to lower monthly premium.
if separately, myself 150 + baby 180 = ady 330
if no such thing then no choice la but to take separately.

Well you may consider the AIA family Plan that covers 2 Adult and 4 Kids if you plan to have a big family in the future

yeap anytime cash out. but your agent might not allow u to do so. cash out entirely and put into a newly bought plan. not beneficial to you too due to the waiting period of the benefits coverage. what agent might advise u is buy new plan first. the following year only cash out from previous account and transfer to the new one.

hafizhans, what you are looking for is available in AIA. sorry to tell you that GE dont have family plan that you are looking for.

when we pay extra > monthly premium, what happen to the monies, will be put into investment or ??

it will be parked under a suspend account. the next premium due then company will allocate the extra paid amount then you only need to pay the balance on the next due

It will used to buy fund units for investment

every year, my friend with prudential got planner/book from their agent.
i never got anything from ge except for yearly financial report.
sometimes it makes me wanna change to other insurance due to this thing lol

Some ppl like gifts, some people are okay without the gifts.

Depends la, different audience have different demand. You can always request for it if you want to from your agent.

most importantly when you need ur agent's service, ur agent is there. yea having the planner/book is something extra. you request from your agent. its ok one. perhaps your agent got do other things that other agents dont do leh?

Prudential`s agents are well known for their services

yeah2 that most important. my agent is branch manager i think,
deswai i chose him at the first place, this guy mesti power punya handle kes.

nway just my two cents, give planner/book/calendar keep client happy n for marketing oso.
i'd even recommend my sis to take prudential coz every year got book

Saw an FB post, Zurich oso giving lanyards and planner. Lol but dun matter to me, as I hardly write things down on paper anymore!

Got quoted Life Insurance & TPD

Insured Amt : RM800,000
Period : 21 yrs
Annual Premium : RM3700

Surprised so cheap... likely gonna get it unless somethign more value for money comes along...

very cheap boss, better look at the whole proposal first before you sign

Ya, Reading the fine print also.

I think its taking some cash value to offset later year's premium.

SO end of the day almost zero cash value (which is what i want) ofcourse this is based on a year 3% return which is very conservative.

Its much better then Term Life.. that one need pay 6000+ for same coverage... abit strange..

basically 3700 used in investment also, which the surplus or profit will be used to offset the future charges.

But sometimes quote too low, also may not sustain up to 21 years if Cost of Insurance increased or Investment doing bad. Down the road you'll need a top up also if this happens.

If you're counting pennies, get a quote from Allianz. They are probably the cheapest in the industry for a similar product. I could be wrong la.

Best,
Jiansheng

sorry double post

This post has been edited by rcantona7: Dec 22 2017, 07:27 PM

Are you sure this is life insurance or personal accident or even medical Lifetime limit. I have met my friend who is a client from Az company and when i asked him how much life he have for his current policy.He told me his life insurance is 2m and even show me through online access to his acc. Only to find out that the website didnt put full description for the medical limit terms. Annual limit and "Life".So my prospect got misunderstanding about that term used and thought that he bought 2m life insurance. some ppl will even tell you that they bought 100k life from bank as cheap as rm40 per month but little did they know its for accident death only.

This post has been edited by rcantona7: Dec 22 2017, 07:29 PM