no matter wat, always ask for black and white...
guarantee from anyone's mouth is useless....
wat written in the policy does matters

anything wif life coverage is consider a life insurance....
ILP is so called the complete package as it can includes all sorts of coverage inside

I dont think it is wise to discontinue...
as u may lose some cash value especially ur policy is not too long or just started...
at this moment u may not have back the cash value u had paid, and might lose quite some amount...
u have to consult ur agent regarding this
mebe u can try take another policy if u can support it financially and remove unnecessary riders...
i tried to quote a medical policy for u as i cant find any medical coverage in ur policy

1300 annual premium
R&B 150 medical card
annual limit : 90k
Lifetime limit: unlimited
guaranteed renewal till age 100
waiver premium till age 100
life coverage RM10k

Agree...
there no way of over quoting a customer...
but diff company have diff price for diff benefits...
but won't have huge diff in pricing...
each have their pros and cons...
just see what is suitable for you

Bro,
there is no best insurance,
everything depends on ur agent....
insurance is all about servicing....
and understanding....
if ur agent is responsible, prudential can be better than great eastern anytime
no offence to P or GE agents....

---

Added on July 6, 2009, 11:37 ambtw...
wats ur age?
and wat coverage u have in ur prulink?
it is always not recommended to discontinue....
but if ur agent is really bad...
try finding another one

This post has been edited by ChinHong86: Jul 6 2009, 11:37 AM

for all policy holders...
any ILP plan allows you to change the benefits any time of ur life, T&C applied
but protection price will be based on the age u change the benefits and not the age u had first applied
so consider well...
if u are still young u can afford to do that..
try to avoid changing after old age
the best is know what you want...
communicate well with your agent...
let him/her help you

if you don't mind,
i can do a free servicing for you,
doing financial health check for you
and also policy review
what we can give is only advise,
we cant decide for you whether to discontinue or to continue,
but discontinuing a policy is the last resort,
for sure,
u will lose....
we can set an appointment to meet up.
u can pm me ur number if u don't mind

If you dont mind,
we can set a meeting,
to help you do a Financial health check thoroughly,
and ur policy review,
i nit to understand you financial status only i can know wat u really need,
if you can give me a chance to be in ur service,
pls pm me ur contact number,
or contact me @ 017-2917130
DARREN

Actually our company have CI coverage till age 100,
and i blif many others have it too

To let u know
our unlimited lifetime coverage medical card with RM90k annual limit is only RM588 P.a.

this is not excel care plus
erm, actually after adding the rider MCP to ECP,
then one can eliminate lifetime limit
sry but i cant upload excel file into the post,
may i noe any other way?
pls advise,
not good in using forums,