Hey fairylord,

I assumed he has gone through and discuss with you on your risk exposure to come up with the following proposal as you have shared above.

If he has and you agree then perhaps that's the best way to go. Pricing wise, seems to be very very very cheap.

My advise to you, get the full sales illustration and read it thoroughly.

Best,
Jiansheng

Hi

Insurance plan provides multiple area of coverage which entails of

1) Protection
2) Savings for Retirement
3) Critical Illness
4) Medical Card

You can have an option which covers all of these if budget is enough.

If you've not have an insurance before this then it's always important to get a Medical Card first to cover for any arising healthcare cost, followed by Protection & Critical Illness as income replacement.

It should come about the budget of RM150 - RM200/mthly.

It is always proper to speak to a life planner to understand your need as what I've mentioned above is purely general without analyzing your financial background at all.

The main question is not about the pricing but the protection.
What made you think 90k coverage work best for you.

If touch wood you kena critical illness how would you spend the 90k?

looks like the quotation is not for you. it is for 16 years old child eh? make sure agent provide you the correct quotation based on your profile. u mentioned he did one for you RM150 per month premium right?