Do I need to have AIA insurance plan before eligible to appky for AIA Vitality? Called AIA CS he said can apply without any insurance with AIA, tried but it says not eligible.

Also, do all AIA insurances eligible for Vitality?

Yes you need to have a AIA insurance policy to register for Vitality

Is it true that certain insurance companies like AIA will review the exclusion clauses of their customers every 2 yrs. May i know how is the successful rates for insurance companies to uplift the earlier exclusion clauses like eyes which was laser for retina weaknesses?

So any AIA insurance policy will do?

What is the successful rate for insurance company to review the earlier exclusion clauses as i feel that insurance company and insurance agents are just using the excuses that insurance company will review the earlier exclusion clauses as a marketing gimmick for the customers to signed on the dotted lines telling the customers pls signed first and the insurance companies will review later in 2 yrs time to uplift the exclusion clauses....?

Want to ask.... Let's say my ILP monthly premium is Rm300 per month... Insurance charge is rm100 per month...

Assuming that I already in the 7th year, which means 100% premium allocation to purchase unit....

Question: can I contribute variable premium from this stage onwards?
yes you can, if contribute lesser, then it will result in lesser cash value. if contribute more than the premium, the extra will be allocated to a suspend account (meaning it will be allocated to units, it will just sit in an account and do nothing), at the next due this extra amount will then go to the premium contribution.

E. G... Contribute Rm200 per month... Since inside got some cash value buffer...

If do it between y1 to T6, how will it affect agent distribution cost?
you contribute lesser, agent distribution cost will just follow the percentage. example if that particular year your premium paid is only 80%, that year agent only get 80%. but it will be considered as overdue (if you contribute lesser), if any other months you paid back the overdue premium, then agent will get back their commission.

Tq

good ah....

my premium 300
agent eat 50%+ first two years
each month insurance charge eat 90+

so i give lesser premium la

Looking for RM400k term life.
33 yo, male, non-smoker.
hyperthyroid history - Etiqa i-secure and ezy-secure don't accept me for that reason in the online application.

Hi all agents,

What different between investment link and medical insurance?

pros & cons?

Here's an analogy for you.

When you go to a mixed rice/nasi kandar shop, Investment linked plans (ILP) are basically the plate and a medical insurance/card is the dishes/kuah you order with the dish.

But if you mean what's the difference between a medical card attached to an ILP vs a standalone medical card, then biggest difference is as per below:

Cost:
- ILP more expensive
- standalone cheaper

Coverage:
- depends as ILP has high and low coverage options

That's a straight forward way to look at it.

Best,
Jiansheng

Hi all agents,

What different between investment link and medical insurance?

pros & cons?

QUOTE(alexkos @ Feb 11 2019, 09:16 PM)
Want to ask.... Let's say my ILP monthly premium is Rm300 per month... Insurance charge is rm100 per month...

Assuming that I already in the 7th year, which means 100% premium allocation to purchase unit....

Question: can I contribute variable premium from this stage onwards?
yes you can, if contribute lesser, then it will result in lesser cash value. if contribute more than the premium, the extra will be allocated to a suspend account (meaning it will be allocated to units, it will just sit in an account and do nothing), at the next due this extra amount will then go to the premium contribution.

E. G... Contribute Rm200 per month... Since inside got some cash value buffer...

If do it between y1 to T6, how will it affect agent distribution cost?
you contribute lesser, agent distribution cost will just follow the percentage. example if that particular year your premium paid is only 80%, that year agent only get 80%. but it will be considered as overdue (if you contribute lesser), if any other months you paid back the overdue premium, then agent will get back their commission.

Tq

Here's an analogy for you.

When you go to a mixed rice/nasi kandar shop, Investment linked plans (ILP) are basically the plate and a medical insurance/card is the dishes/kuah you order with the dish.

But if you mean what's the difference between a medical card attached to an ILP vs a standalone medical card, then biggest difference is as per below:

Cost:
- ILP more expensive
- standalone cheaper

Coverage:
- depends as ILP has high and low coverage options

That's a straight forward way to look at it.

Best,
Jiansheng

but standalone medical later age 50+ fuiyo cost soars like rocket

but standalone medical later age 50+ fuiyo cost soars like rocket

ic, so even if i pay lesser in first 2 years, and then payback subsequent premium later, my agent will still get his full distribution cost, betul?

wah like that....confirm eat...

but standalone medical later age 50+ fuiyo cost soars like rocket

ic, so even if i pay lesser in first 2 years, and then payback subsequent premium later, my agent will still get his full distribution cost, betul?

wah like that....confirm eat...