talk about this, 2 lady agent promoting their insurance(investment+life+medical combo insurance) pissed off when i said only interested on medical standalone insurance oni, while investment i use other channel, wadehel.

Investment =/ investment link

Investment link = using your cash value to invest. Most insurance has cash value, is the just the method of investment.

Fuck them upside down la why give face unless big nen nen. If sales person gives me attitude when cannot get business, siap la kena fucuk upside down.

U are the customer, x puas ambik thier ID no and complain to hq

let me know if you find an insurance scheme giving guaranteed 10% annual return please.

Could you guys intro a few best pure medical/life insurance.

I got do Insurance Investment link.

Got my money oledi after matured (15 years)

As long as you OK with the monthly and terms, and also pay continuously, it should be OK. Of course there are many other investments you can think off.

I think TS oredi got his answer

Your budget will be the main factor affecting your decision on which one is better as the benefits between a standalone vs an investment linked medical card is very very different, especially if you were to compare the million dollar annual coverage & no lifetime limit medical card against a standalone medical card.

I would like to reiterate once more, if your understanding of investment linke = unit trust with insurance company the number you’ll be in a rude awakening. Investment linked plans merely allows a level premium by offsetting the increasing cost of just insurance (COI) with the cash value in the plan. It is not a tool to grow your wealth.

I have attached a graph for everyone’s understanding. That is the general idea of how ILP works.

Best,
Jiansheng


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