hi all, I'm considering between Prudential (PAP) and Great Eastern life insurance.

For Prudential
- covers up to 100k...I think Medical Card - 150k
- monthly fees - RM300
- plus some small investment-like savings whereby at the end of 30 years I may get back 130k

For Great Eastern
- covers up to 200k but the coverage is split between PA, 36 CI, etc (I only remember seeing 70k, 40k, 25k, 50k for the four main coverage)
- upon death (touch wood) the benefiter gets 160k
- also has some small investment-like savings whereby at the end of 30 years I may get back 97k.

I don't have much details on Great Eastern coz their agents are not allowed to give out any proposals like Prudential. Any of you guys can recommend which is better?

the 300 is split actually. 150 goes to insurance while the other 150 goes to savings I mentioned. Btw, I'm 24.
for Great Eastern...its just RM150 per month.

This post has been edited by Aeon_Clock: May 3 2008, 06:37 PM

neither insurance companies gave me 150k coverage. Even Great Eastern is split - 70k, 40k, 25k, 50k...how?

my company just applied for that AIA ExcelCare Plus without lifetime limit. I don't have the brochure now, but I remember the agent saying that it is basically the 'new & upgraded' version of the ExcelCare Plus. Is it that good? I'm thinking of keeping this medical insurance even if I leave the company.