Is it possible to make a living without selling to friends and family ?

Hi all,

i currently have a life policy that my parents bought when i was a kid.

its a traditional life policy, recently i was thinking whether i should maintain this policy.
It is a life policy without any medical coverage.
Currently i am holding several other medical policies too, AND another life policy with a different company.

so i was thinking, is it necessary to hold two life policies?

I pay around RM1k++ of premium per year for it, the payout is around RM100K upon death.

If i surrender this policy, i get around RM53K+ inclusive of the bonus etc etc. I was thinking of using this money to purchase better yield investments.

Hi there, I'm looking for suitable medical card for my elderly parents, aged 61 and 65. Any recommendation?

Thanks @ckdeneon and @ssh2222.

Any medical card that has high annual limit but don't have to pay 1st and claim later?

So far i only heard about Prud having this on their PVM.

Exactly bro.. thanks! Btw so isit reimbursement? U said nope but after that sound like yes ..

HLA savings plan

Save 10k continuously for 6 years, can get 2k annually for 30 years

How true is this ?

lets not just talk about agents. not all people can be trusted anyways. trust is built based on a relationship.

My friend bought AmMetLife investment link insurance 3 years ago, thinking to upgrade or swift to more popular insurance companies.

To be honour, I never heard about Ammetlife maybe no too mainstream 😅 . Do anyone can share their background like do experienced of slow processing claim etc?

😉☺☺😉

Losses on the account value for first few years probavly due to commission portion. If upgrade the policy, commission will start over, it mean premium still allocate less value to account?

Do the insurers’ underwriting offices investigate a medical card applicant’s medical history - apart from the required medical checkup - before they make a decision on the application?

Thanks all, very useful info. Guess if anyone were to apply for a med card, approval speed or turnaround time would be big selling point cos of need to serve the 30 to 120 days waiting period, after approval, soonest possible.