Hi guys,

Need your advice on these 2

Allianz i Essential vs GE Smart Legacy for sum insured RM500K

Premium for Allianz is RM1100 pa for 10 yearss coverage. No surrender value

Premium for GE is RM3000 pa until 99 years old. With surrender value.

Which 1 to choose? Why the premium diff so much?

https://www.allianz.com.my/iessentialcover

https://www.greateasternlife.com/my/en/pers...art-legacy.html