looks good. Good reviews also on Trustpilot. But I prefer local because I think it might be easier to deal with local company compared to overseas..

Parking..

Taking my PCE on Monday

Good luck and welcome to this amazing industry in advance 🤓

Thanks bro

Btw I'm joining HLA

Any advice and tips for newbie? Can PM if not suitable for public

Thank you

Why HLB not AIA?

AIA better? Know few GE and PU agent also can achieve MDRT.
I think skill matters

the product matters too

I see. So I can still switch. ok, will check it out from my insurance. No need ask agent coz I think he disappeared oledi long time.

OK. Thanks.

Basically I buy this insurance for the purpose of insured only. I get IL policy coz its cheaper. What I need is protection like DB, CI, and Medical card etc. Since It's that low, I thinking if can I'm pulling it out to invest other things. Even put in Unit Trust also better as I got more freedom on my investment.

If not mistaken, lets say my IL premium is RM400, even the insurance increase every year, I will still pay RM400. Just my investment portion is reduce. Correct right?

Yeap you're right

I thought the products are more or less the same ?

HLA also a lot of MDRT, don't worry.

Hi all, wanna ask.

Is it better to buy each type of insurance coverage separately ? or all in one package ?
Example : Medical card x 1, 36 illness x1 , life x1 or 3 combine in 1 ?

2nd. I have a scenario where
purchase a Life/TPD with Investment insurance about 5 years back which max cover RM250k and each year premium pay RM2400.

and now another company was offer same price but max cover is RM500k....
** both are same type of insurance which only cover Life/TPD with investment.

and Sifu , what is your advice if come to this situation ? Should surrender the old policy and took the new one (i not afford remain both policy at the same time, but if surrender the old one, the cash i can get back after surrender is really less.)

1) From my experience, combining is usually cheaper

2) check with your agent if you are able to increase your protection to Rm500k while maintaining your premium.

Asking a client to surrender an insurance policy, is a big no no. Check with your servicing agent on how you can manage your protection based on your budget.

Best,
Jiansheng

Thanks Sifu Jiansheng for your explaination.

I did contact my own agent and he say his company does have a similar product, just that i don't think will be the same premium price as existing....
(most of the time need to top up premium price, i was ok if extra below RM50/annual, but if EACH month RM50 or more with same thing offer, this might be a problem).
However, i am arrange to meet him for more details. Let's see how later.

Thanks.

This post has been edited by dragonteoh: Aug 21 2017, 10:54 PM

Difference in the premium could also affect the cash value of your policy with in return affect your policy sustainability

You should first question yourself why do you need to increase your coverage from 250k to 500k. What's the main purpose?

Then next question is are you able to afford the premium?

There are newer plans now that cover higher protection at a discounted premium which is minimum RM500k coverage while offering higher cash value than the usual ILP.

You should probably check with your existing agent if he's able to get the similar benefit, if not, how much are you required to top up from your existing policy to get the similar benefit?

how is it? nearer to being an agent? waiting for your good news

if product matters, i think i have to be insurance broker and sell all insurance companies product d.

hi knight, replied as per above!

hi dragonteoh, my reply in blue!

*double posted*

This post has been edited by ckdenion: Aug 22 2017, 03:26 PM

Sat for the test yesterday, passed. Sitting for CEILLI this Friday.

But got second thought on joining my agency after doing some digging

Well what did you find?

pass ur test first

this one not convenient to reveal here i guess. maybe he Mr.Weezy can reveal through private message.