Insurance Talk V4!, Anything and everything about Insurance
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 Dec 22 2017, 05:59 PM
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#1
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Senior Member
9,336 posts Joined: May 2009 
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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... |
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Dec 22 2017, 06:43 PM
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#2
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Senior Member
9,336 posts Joined: May 2009
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QUOTE(lifebalance @ Dec 22 2017, 06:22 PM)  very cheap boss, better look at the whole proposal first before you sign 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.. |
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Dec 22 2017, 07:23 PM
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#3
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Senior Member
9,336 posts Joined: May 2009
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QUOTE(rcantona7 @ Dec 22 2017, 07:13 PM) Are you sure this is life insurance or personal accident or even medical Lifetime limit. I have met my friend who is 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 that the website didnt put full description .Annual limit and "Life".So my prospect got misunderstanding about that term used and though he bought 2m life insurance. some ppl will even tell you they have 100k life from bank as cheap as rm40 per month but little.did they know its for accident death only. No medical sir.Mypurpose for this is just for an additional lump of cash for my kid in case of death/TPD. Medical/investment/money for retirement all handled elsewhere. |
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Dec 22 2017, 07:24 PM
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#4
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Senior Member
9,336 posts Joined: May 2009
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QUOTE(Holocene @ Dec 22 2017, 07:11 PM) 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. Well its not about counting pennies or otherwise, just getting best bang for my buck. Why pay more if you can pay less..Best, Jiansheng |
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