Anyone can advice or recommend whether I should stay with my current life-investment link insurance policy (Prudential rm200/mth) or switch to medical coverage only (premium less than life)? I'm single and 25. Just think with my low salary felt burdened to commit to this monthly.....

I know life coverage include allowance if become vegetable, rm30k for next of kind if passed away, investment profit/loss plus medical coverage 36 serious illness rm600k claimable....

Was thinking to switch to medical coverage will do as I think thatshe my priority but many advice life insurance is better....

I know it increases follow your age each year....If now I give up life insurance and just buy medical card....which is better? AIA , great eastern....or maintain prudential....

Or I should just suck it up and pay....my parents said everyone should have life insurance and in future if buy will be extremely expensive when get older like 30 or 40.....

Any huge difference in premium payment if I change now.....btw I have diabetes type 2....does it make it difficult in future if I wan to buy life insurance....

Pls help....dunno what to do....😟

Thanks all for your input....guess I have to maintain since I have underlying medical conditions already...now I understand....tq again....

Hi all, need advice whether the underwriter will found out my medical record as a registered diabetes patient as I went to government hospital for my diabetes treatment this year...I plan to upgrade my prudential insurance medical limit due to now already have this sickness to protect future other sickness sufficient medical payment if incurred lump sum....my lifetime limit now is rm650k....want upgrade to rm1mil....which I will ask my agent to quote me a new premium fee and again should I tell my agent about my newfound diabetes condition....?

Another option I checked is now AIA also have rm1mil medical claim and rm200k to next of kin if died....which my plan now only is rm50k...and AIA can offer the same premium I'm paying now to prudential....so I felt AIA is more benefiting but again Read a lot negative feedback on many rejected medical claims and irresponsible AIA agent overrated insurance company....The plan is good but future agent service or claim is difficult......and again if I am required to do medical test sure I'm positive diabetes....which may cause either the prudential or AIA reject to cover me....

Please advice my dilemma...Thanks. ..

Okay meaning I just have to maintain my current Insurance? I have bought it years ago before I discovered I have diabetes now...I am not taking any medication...The doctor just ask me to change to a healthier lifestyle and lose weight to healthy range to control further damage....

Huh I'm glad at least I have a insurance than none though I can't upgrade the coverage anymore...

So I no need waste time survey new plan or upgrade already.....just be happy with my current coverage...

Thanks all for your reply....

Okay sure....understood now....already share with my family to get one or upgrade while able to....Thanks all...reli help me sought this out...