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....

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Added on July 6, 2009, 11:37 am

btw...
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

Hi,
May I know what is the reason of you saying the above statement? Hope that you can share it out.

Stopping a policy is always not encourage. As after you stop, you will have to pay more to get the same benefits. Insurance charges is increase by age.

If you are not satisfy with your current policy, you can always change the benefits inside. PruLink allow you to do that.

The maximum percentages of agency commissions payable on a life policy with premium paying terms of 20 years or more shall be as follows:-

Commission to agents 110% of annual premium
Overriding commission to agency leaders 41% of annual premium
Production bonus and persistency bonus to agents 15% of annual premium
Production bonus to agency leaders 5% of annual premium
____
Total 171% of annual premium

You pay her 171% and u expect her to do nothing? She should lick your foot and chew the dust u walked on.

His friends should be only agents. So only get 125%. (Note: This will be divided into 6 years)
Let say his premium is RM3000 per year.
125% of RM3000 will be RM3750.

RM3750 divided by 6 years is about RM52 per month.
In the return, the agent need to service him for the whole life(if his friends does).

Just to let you all know that agents main after sales service will be making claim for you.
If he got no problem, why the agents need to come to him? Of course if he call the agents then the agents do nothing, it will be different case.

So don't say that "She should lick your foot and chew the dust u walked on." We are selling our service for the whole life, so please give us some respect.