My sister encountered high fever when she was a child and since then, she becomes abnormal and cant think like normal person.

Self-discipline = OK, just below normal person, like a child. You need to tell her properly and she can follow the instruction.

Education level = Standard 6


Thinking level = Like a child, but she is able to debate on whatever points you told her....

Can I buy life and medical insurance for her?

This post has been edited by jack2: Dec 28 2018, 10:30 AM

Panels that recommended by the insurance companies?

I can bring her to do examination.

Really? Then can try

I really want to say that Allianz has very bad customer service quality.

I sent them e-mail why I have premium due although I have fully paid every month.

First e-mail sent, they took 2 days to reply. They said will notify me once they have checked with other department.

It is now day 12 and I havent received their reply to answer me why....

Nolah. My premium is RM90 monthly and paid RM90. How could be there is RM1.30 due unpaid...

I got from their receipt. I used jompay paid RM90. How could they credited my account as RM88.70 only?

Use jompay got fee or they credit only on the net amount after fee?

I don't intend to use call as I know I will be waiting for very long for minutes. Hence, I prefer to use e-mail for non urgent matter but 12 days without replying me is unacceptable.

If you are Allianz insurance agent, do feedback to them. If not mistaken, this is not my first time to communicate with them by using email. If they are slow in replying, better opt-out the email option to let clients e-mail and inquiry.

This post has been edited by jack2: Nov 5 2019, 07:57 AM

Have checked and they just credited me RM88.70 but I paid RM90 via jompay.

As I said, I did not expect them to reply my email within hours. The matter is not urgent and hence I don't wan to spend time to wait on phone (I know they will keep me wait for > 5 minutes).

But 12 days without reply via e-mail is NOT ACCEPTABLE and this can be considered as bad/slow customer service.

Go to feedback to the management to take off the e-mail option for customer service.

You have nothing to say?

What just give me impression that insurance co, when they need money, they will very fast. When comes to inquiry or issue to be checked, they are slow.

I need to emphasize again that I DID not expect them to reply my e-mail within hours. I know email is not the fast channel to be used. But waiting 12 days without response is not acceptable and this is considered as bad customer service support with bad co image.

If you concern about the co as the agents and you love the co, do go and provide feedback from improvements.

No feedback, no improvement and all lengan2 there sahaja.

I wish the CEO of the Allianz insurance is here to read about.

Sent you the PM.

This is not the first time I have this slow response or even no response at all.

The co needs to be improved on this and to find out why this happened? If this the behavour or corporate image or the staff did not do their job properly? The team needs to find out WHY.

This is just an execuse. They should reply you that in order for us to answer your question, your email address needs to be in our system or you use the same email address as registered.

Did they?

I didn't ask you or anyone to help ..I am just to state the issue if someone who is relevant to provide feedback for quality improvement.

Want to feedback or no, up to them and it is none of my business.

My insurance is term insurance and it is going to muture soon.

To evaluate how good the agents or company are, we can see from the customer service quality.

This post has been edited by jack2: Nov 5 2019, 10:49 AM

Wonder Manulife has good performance in investment?

I have one case with GE and I just realised today. 2006 I bought with GE one savings plan and they guaranteed that it is only payable for 10 years and the rest of the policy, you no need to pay.

At year 10, they wrote me one letter to ask for permission if I shall continue to enforce the payment until year 59 and if I did not reply the letter, they deem that I agree to continue until year 59.

I omitted the letter and didnt know about this too when I realised today from the portal that I have due premium payable after I cancelled my cc and they cant charge it.

I asked for surrender value for today (year 13) and damn, the cash value is almost same as the amount I paid for 13 years and all the while, I opted the cash bonus is to be accumulated in the account.

And if I surrender, I got back the amount that I paid in total which is totally not worth at all. MCB

My plan is

GREATJUNIOR ADVANTAGE SERIES 2 / GREAT INCOME ADVANTAGE SERIES 2

I dunno if I shall surrender it...

Yes, i have at least 5 insurance plans and will be surrendered this. I forseen that they are not performed well. Hence, I would rather to take back my capital + some profit (little) only rather than to keep on paying and who knows in future, the value is like throwing the money into the salt sea.

how many years you have joined?

Going to surrender the policy now.

This post has been edited by jack2: Jan 17 2020, 11:15 AM

Finally surrendered my GE savings plan and get back some capital + popit.

Feeel my burden is good now

The term is 10 years plus additional 3 years I Paid without knowing my plan has exceeded the 10 years until fee weeks ago.

Because I didn't aware and I didn't sign the exercise form, it was deem that I agreed to pay till age 80.

I don't want to commit further hence I decided to surrender.

.my agent earned buta from me without servicing me to notify this.

You want simple interest or effective?

I think the counter gave me wrong info on my total payments and I would need to check back

Effective interest: 1.165%

This is on my surrender value + Survival Benefits Balance + Cash Bonus Balance


Attached thumbnail(s)

this is savings plan and insurance coverage is RM26k plus...

If i put this in FD, I would have at least 66k assuming 4% pa