Hi guys.

I'm in abit of a dilemma right now, hope to get some assistance.

I'm currently insured by Allianz (for the past 2 years), through a friend who is an agent. I recently found out that he has stopped being an agent and true enough the agent's name in my statement is of someone elses.

My question is, would this matter in the long run i.e. difficulty in claims etc? Should I be concerned that I have no knowledge of this agent that serves me?

With that said, I am also actively looking for an insurance for my 2 year old child. I've noticed lymph nodes in the neck area is abit pronounced, but we've been to the doctors before and they are not too concerned with it which means there is no diagnosed if its an issue or not.

I've met with an agent recently and mentioned this to them. They advise me to disclose this information if I was to apply an insurance for my child. I find it nonsensical as doctors previously have not made a fuss of it and theres no diagnose as well. I worry by disclosing something that is entirely based on my feelings would jeopardize the coverage my child would get. Would appreciate on an advice for this as well.

Last one. Is it possible to find an agent that I could build a good rapport with. One that I could trust to service me and my family far into the future? Some that I've met scare me. Ya know the type, that asks for an IC copy and 2 months premium deposit at the end of the first discussion.

Thanks in advance

Hey guys.

Thank you very much for the replies, appreciate it so much. I've been stressing out on this for weeks and I get that the consensus is always to be upfront about the condition. I think I can rest easy now and just wait out the underwriter's report.

Thanks again. Cheers.