previously mentioned by forummers.....something like the returns generated had been used to pay for the agent's commission and the insurance coverage provided for the duration of the 13 yrs....

I think if you were to surrender it few years earlier....the amount you got back would surely be lesser than what you had paid.

is the coverage enough?
will your soon to be career high risk?
will your soon to be employer provide any insurance?

study what you type of insurance you have now, to have when you work and think of what you want to have and your budget......
then decide..

found this article by KC Lau...if you want you can read the article and the comments posted by followers...

Great Junior/Income Advantage Series 2 : Whole Life Income Plan
https://kclau.com/insurance/great-juniorinc...fe-income-plan/

RM4k pa for a 26k coverage
(6.5 yrs of premium paid can reach 26k already)

googled and found this...
hope it is relevant to your need

Trade Credit Insurance protects your business with account receivable protection against losses due to credit risks such as customer’s insolvency, bankruptcy and failure to meet agreed payment terms and conditions. This insurance insures your company against your customers’ failures in paying their trade credit debts owed to you.
https://www.allianz.com.my/trade-credit-insurance

https://www.google.com/search?ei=q7wnXtSsI4...Q4dUDCAo&uact=5

I think should have some....
example....
MCIS Insurance Berhad - Golden SeniorCare
https://www.fundsupermart.com.my/insurance/...nior/MCIB000011

https://www.google.com/search?source=hp&ei=...1j0.VKJeCg88Igo

if you are referring to the MCIS link as provided earlier....
then try to click on the "Product Brochure"....
there it has stated the description....

This post has been edited by MUM: Jan 24 2020, 03:31 PM

while waiting for qualified comments....
I kay poh abit with this not qualified guesses....
if I am not mistaken, I read before .....

exclusion includes X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered disability .....thus cannot claim BUT, you can keep that receipts as there is a XXX days for that receipt to be valid for claim in the event you are hospitalised for the diagnosis of that covered disability.

but keep lurking here for qualified response to you query.

if you felt that you are being misled....why not cancel both that policies taken from that agent?
if he can misled you now, can't he misled you again later on other things?

I remembered a friend of mine had exclusion on that and any things that are related to/at that organ(s) too.
his agent told him that if the policy had been held for more than 10 years without reoccurrence of that illness, then he can ask for "waiver" to the exclusion which would be subjected to the insurance company......

Why do my medical, health plan premiums/contributions keep increasing?
https://www.nst.com.my/lifestyle/heal/2019/...keep-increasing

what is quoted to be "cheapest" now may not be so later ....

is this A life Wealth plan a Life insurance plan while the one mentioned by TS is a CI/Medical plan?.
If I am not mistaken,...I think there is a different on Cost of insurance rates guaranteed...between Life and CI/Med plans.

This post has been edited by MUM: Feb 17 2020, 12:12 PM

providing an estimated budget pa you would like to have for each you, would be helpful for them to help

other info like smoking or non smoking, alcoholic drinks frequencies, job description and etc would helps too

This post has been edited by MUM: Feb 20 2020, 01:24 PM

while waiting for responses,...you can try this for some info (if you want) while you wait

Which Malaysian Insurance provides the Best Protection for your Child?
https://www.ibanding.my/which-malaysian-ins...for-your-child/

while waiting for response,....I googled and found these...hope it can provide you with some info while you wait...
1.Which insurance company provide the best medical and life insurance in 2020 malaysia? Like the cantonese saying “cheap,nice,good”
best medical plan in malaysia 2020
https://www.google.com/search?source=hp&ei=...Q4dUDCAU&uact=5

best life insurance plan in malaysia 2020
https://www.google.com/search?ei=1iRPXvHnG6...Q4dUDCAo&uact=5

you will need to define and sort out your definition of cheap,nice,good.....
for what may looks ugly to you but can be a beauty to others.....


2.what are the essential things we should buy and skip to buy so benefit more to customers rather than insurance agent? (It is more like if you were the insurance agent what kind of package would you buy?)
the essential things to consider when buying insurance plan in Malaysia
https://www.google.com/search?ei=VCVPXpGUN-...i21.4Xgp_bRUNoQ