medical - life insurance - critical illness

personal preference or someone professional

haha the agent just not happy you didn't sign up a bigger plan with him/her.

But ya the truth is, you just top up the difference in the near future if not enough money.

As  I said to many ppl who has better yield of investment return out there, if got money, just park into those investment vehicle, however insurance plan nowadays are engineered in such a way that you will still get some sort of cash value after paying x amount of years, I won't say investing into insurance will make you rich, but it's just a financial vehicle to conserve your money in.

If you're the type of person that can't stand to see money laying around in low yielding / safe financial vehicle like FD, then investing into insurance is definitely not for you.

However if you're looking into insurance as a way to conserve your wealth, then it's a viable option.

Recently I have helped 1 customer reviewing on this policy which bought ard ur time back in 2007. After reviewing, the medical under this IL-Health Protector was belong to 1st Gen medical plan where the annual limit is ard RM50k and lifetime limit 200k. And now company announced to increase price for this medical card.

So instead to increase Rm40 and maintain at this 1st Gen medical card, I’m helping her to upgrade the medical card to 3rd gen medical card where 1mil annual limit and lifetime unlimited on the existing policy.  Premium from Rm150 to Rm200+ Do check out with ur current servicing agent.