The intention of it is purely just based on what agent told me > paid 1 year premium to get the cash reward back which is a total of 18k, let it lapse after that. My point is just purely that. Just wanted to know is what the agent says true or not. If yes, i buy purely just to earn that cash reward, insurance wise i have other planning.

Hi guys, mind to advise estimated premium for a MLTA policy to cover an one million loan? Thanks.

31, male, software engineer, non-smoker 

31, male, software engineer, non-smoker 

I thought premium will be revised if the generated fund is not enough to cover insurance cost? Mind to elaborate more on ‘lapse faster/lower cash value’?

Bear in mind, the higher amount you pay for ILP the bigger the administration fee (the commission) you have to give.

Is it still possible and advisable to get medical plan before turning 60 years old?

Need help of Sifus here,

Going to enroll my parents (not me) for medical insurance, however, noticed one thing on the health declaration:

Have any of your parents or sibling ever had or died from cancer including breast cancer, tuberculosis, diabetes, hypertension, stroke, kidney disease, heart disease, multiple sclerosis, mental illness or any other hereditary disease or any AIDS related condition?

To be honest, this is quite ridiculous as you know our parents generation have many siblings and since we doesnt really keep in touch, so its really normal that we don't know their health condition. Plus, given that my grandparents has already passed away quite a years ago (the latest one is 20yrs ago) and back then I was either too small or wasn't even born, I dont even know their cause of death - for example, my father was not even sure which disease that my grandfather had, liver or heart issues. Cant really blame them tough, they didnt even finish their Form 5.

So, sifu-sifus here, if I just tick NO for this declaration, is it ok? Would it even matter in the event of claim?

Dont tell me to ask my agent, I am buying directly from insurance company so I have no agent to serve me.

Thank you.

Banker mention about investment linked things also, so I’m curious to know more.
Will go back and ask la if got time if no one here got details

Thanks, but still clueless on what the heck it is. And where the “investment thing” the banker mention.
Will just ask the banker later on

Just to clarify, now I know it is a investment linked life insurance. “No clue on the investment linked things” means the details of which fund they gonna go for. There are lot funds etiqa go for such as -Premier Global Equity Fund, Dana Pendapatan Prima, Dana Equity Prima etc.
I need the deeper things. So I can at least check their Fund fact sheet.
Hence I asked here if anyone know better with the sales illustration etc, would love to give it a read on my own time whenever I can instead of spend my fixed limited time waiting and que in the bank. (Which I can, but not prefer to go,
I think everyone understand )
If no one got that, yes I will go to that guy and listen there.

Does it even matters if their parents (my great grandparents) had those disease after 60 yrs old or 65 yrs old?

When I signed up for my own medical insurance, the questionnaire specifically asked : below 60/65 yrs old.... (cant remember which already)

Hi all,

I am looking for deductible medical insurance with conversion option to 0 deductible upon retirement. Which insurance companies are offering this option?

Question regarding change of agent.

If my agent is no longer in service, how easy is it to change to my new preferred agent?

It's Prudential and I am holding this policy for more than 10 years.

Thanks.

Hi guys, may i know which plan have the best coverage for critical illness now??

Possible to claim for the deductibles from another insurance company? This is my company's insurance plan only covers 80%...

How does Aia premium holidays works ? They will deduct your monthly premium from your cash value ?

Hi guys,
i am sure there's a post somewhere that says how much of a % we should allocate for our insurance.

i have this insurance many years back, easily close to 20 i think.

I have never top up before so the coverage, if my memory is correct, should be around Rm100~Rm150k.

Recently my agent been whatapps me asking if i plan to increase, as the guideline he understnd would be 10% of our income.

The plan i have, is definitely <10% of my income.

So is it true that 10% is the guideline? Or there's other factors i should consider as well?

I see. Thanks for the info bro.

The reason why i am pretty reluctant to increase was, i have been paying for close to 20yrs, and i have utilize them zero times.

Granted i would not want to use them if i have a choice, but i felt like its kind of throwing money into sea.

Eventhough it's not alot at Rm300/month..but for RM3.6k per year x 20, it's RM72k already....that's money i can use for alot of things.

So kind of in dilemma.
Added : Also, there's RM150/mth or medical card..never use them for past 20 yrs also. That's another RM36k.

All in all, RM72k + RM36k = RM108k..i can buy a vios with cash and still have over 15k for petrol and modding

Yup. THat's what i plan to do 1st. Discuss with my agent. I am 41. So i reckon insurance wont be cheap now lol

Thanks bro!

hi, wan to get suggestion.
my dad is 54 this year. i want to get him a medical card but i believe it will be very expensive by now.
the previous medical card he have have very low annual limit.

do you suggest me to get one for him (around ~4-5k annually) medical card or ask him to go to government hospital in case of emergency?

Hi , thank you 2 sifus for your advice.

Just 1 thing I don't understand. Why insurance usually comes with life/tpd?
I suppose life/tpd/36ci only benefits your next of kin instead of yourselves.
so i personally do not think it worth the money as you wont be able to use it.

i also dont understand why usually people opt for private instead of gov hospital.
i heard some of the case where the equipment in private hospital is less than gov hospital.
in the end need private reference to gov hosp?

as for the option1,2,3. what is the main different? i suppose this one is 1.1mil per year by A*A.
the only different i see is the deductible? is that important and justifiable for the huge difference in premium?

Is there any medical car for high bmi?