yes agent should service client
insured should also learn to survive without agents

can anyone help ? I am looking for H&S coverage for
38 yo male
37 yo female
9 yo female
4 yo female
1 yo female

right now, I only have this at hand ...

annual limit 150k
lifetime limit 10x
no Co-insurance
got card
room rate $300

38 yo male $751.20
37 yo female $1,102.80

I don't even know who the underwriter is ...

updated : I am quite sure above is from Allianz now.

This post has been edited by mtsen: Jul 22 2009, 12:26 PM

oh no, these are my NEW needs. I got quotes from Prudential. The price is almost double. And I am guessing what I can get back is ease of understanding ie. they have the least rules or limits, as if they will try their best to pay 'all' claims.

medical or H&S is the most headache, OMG ...

I wasn't but after reading all your posts, now I am topping up too
I may just want to cover myself up to 55 or 60.


i usually 'try' to eliminate agent too, but I may need to give exception in medical plans, I don't know yet ... still analyzing ...

like wise, more buyers do not know what they are buying

I have been paying 40% commissions to agents in my traditional policies half of my life, todays' 15% - 25% seems like a good rate or good trend to me if the agent does nothing, then its too high. but if the agent pamper me well, its ok to pay

agent commissions not entirely a bad thing geh ... without the comm, only the mother company becomes filty rich and when they become rich enough, they pay themselves big bonus despite company collapse like AIG now.

As for commissions system, at least some of our friends may get some shares. You know quite a lot of my x-school mates who didn't make it to higher education, at least they didn't join the gang and get killed, instead they work very hard running around like mad dogs and today they are very much settled down lor ...

ya eventually everything online and direct to consumer, but I also suggest at least we should have 'online' agent who cut smaller commission, less work to do mah. By then, we pay for intellectual services and not the running around part, then whole society improve lor ...

vote me lah to become finance minister, everyone can eat ... ha ha

I didn't dig deep to PruMed sorry, other lower quotes draw my attention away *sorry* but I also think that by some tuning using an ILP, I may receive better quotes. I think I was asking for stand alone and then ended up with a quote with a build in 50k term life etc. Or I was just browsing some brochures to get those quotes myself ... I will share that here once I find that again ...

---

Added on July 22, 2009, 10:02 pmwei wei, serious or not, my comparison is growing lor ... may be you let me know what your priorities are then while I am doing mine, I keep another copy for you .. then you look at it, if you like it, u pay me lor. if not like it then at least I know where I can improve

---

Added on July 22, 2009, 10:53 pmhave found where I got the Pru rates, its from this link

http://www2.prudential.com.my/corporate/li...es/pmm5_eng.pdf

I choose the cheapest one, which is "Annual Premium Rates for Traditional Policies"

Hope this is useful for Pru Experts, and in terms help me back ie. to choose a package fast. else tomorrow I kena hospitalize and didn't die, then die lor ....

This post has been edited by mtsen: Jul 22 2009, 10:53 PM

my personal theory of old age medical plan is, keep a minimum plan coz by then

1. rich n famous - up to u, do whatever u want
2. poor - GH

at old age, chances to hospitalize and die is high, so may as well load up CI and life.

But this part is personal, everyone make their own decision on how they view their lives or want their lives to be.