Mind to share?
Good. Me also wanna know.

actually why so worry on renewal. so far haven't heard a insurance company kick customer off just because he has a serious illness.
they too have reputation to jaga, of course they will increase your premium next year much higher. (nowdays all health insurance very long duration some up to 99 years)
but they do wish you to cancel or unable to renew the policy voluntarily.  

Co. cover Etiqa. 350k a year for each family members.

Hehe... Pls show me term insurance which covers all life, tpd, ci, rnb, med, and cost less than ILP min funding.

I'll wait.

Co. cover Etiqa. 350k a year for each family members.

Heres and advice. Just skip agent. Take standaolne medical card and buy , CI and life directly from company. Far cheaper than using agents. This is the truth.

in another word, you are paying 20-25% contribution as your cousin's salary for the next few years. ok la.. better kakilang then outsiders.

Hi this is my insurance policy benefits :

what does each description means ? they give me a medical card
AmMetLife Lifestyle (Ins) 15 April 2083 For 64 Years RM 100,000.00 In Force

Accelerated TPD (All Causes) 15 April 2049 For 30 Years RM 100,000.00 In Force

Additional Critical Illness 15 April 2083 For 64 Years RM 100,000.00 In Force

Dread Disease WOP 15 April 2049 For 30 Years RM 300.00 In Force

HealthCare Choice Rider 15 April 2083 For 64 Years RM 150.00 In Force

HCC BoostUp Rider 15 April 2083 For 64 Years RM 150.00 In Force

You directly go insurance company state office and buy from staff?

Can meh?

Website ada.

Yes, Cause insurance company's forte is not in investment. Those agents only want commission so sell insurance, what do they know about investment? Keep for long term? lol, easiest excuse given.

Insurance and investment are two different things. When you mix them up, they won't hold responsible if investment is good or bad. Usually investment return is bad.

Hence, keep insurance as insurance. And only get the insurance you need.

ilp investment fail, you will only have lower return or negative return, it is using premium to invest in mutual funds...

you dont need to topup anything....

Licensed Insurance Companies & Takaful Operators

No.  Name  Ownership
1 AIA Berhad
2 AXA Affin Life Insurance Berhad affin bank grouo
3 Allianz Life Insurance Malaysia Berhad
4 AmMetLife Insurance Berhad ambank group
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company, better known as MetLife, and its affiliates.
USA
5 Etiqa Life Insurance Berhad  maybank group
6 Gibraltar BSN Life Berhad   

bank simpanan nasional
It's Now Known As BSN Life

30 Apr 2014

HERE COMES GIBRALTAR BSN LIFE


KUALA LUMPUR - After just over a decade in operation, life insurer Uni.Asia Life Assurance Bhd (UAL) has ceased to exist, and is now known as Gibraltar BSN Life Bhd, following the entry of new owners Prudential Financial, Inc (PFI) of the US and Bank Simpanan Nasional (BSN).

PFI holds a 70% stake in Gibraltar BSN Life through its subsidiary, The Prudential Insurance Company of America (PICA), and BSN the remaining 30%, following a RM518 million acquisition of UAL which was completed in January 2014.
7 Great Eastern Life Assurance (Malaysia) Berhad
ocbc group singapore
8 Hong Leong Assurance Berhad 
hong leong bank group

9 MCIS Insurance Berhad
sanlam group

10 Manulife Insurance Berhad

canada company

11 Prudential Assurance Malaysia Berhad
12 Sunlife Malaysia Assurance Berhad

Sun Life Financial Inc. is a Canadian financial services company


13 Tokio Marine Life Insurance Malaysia Bhd
14 Zurich Life Insurance Malaysia Berhad
15    Syarikat Takaful Malaysia Keluarga Berhad
But nowadays no much more medical card that is not ILP

A lot of people find this hard to accept. Maybe when they bought their cards, their advisor or agent told them, “This is cheap, right?” After that, we think the five years, normally, the cost of this medical card increase every five years, there is one rate, the next five years, there is a different rate to pay. Then, you say, “Hey, how come it keeps on increasing?”
That is how a

standalone medical card
is structured, and you must be prepared for that.
Bersusah-susah dahulu, bersenang-senang kemudian =ILP medical card
Renewal Conditions
Most standalone policies provide a guarantee that your policy will be renewed even though you’ve been diagnosed with an illness before your next renewal date.
This is good to have. Here’s the reason why. Say if you were diagnosed with diabetes this year, and your policy is not a guaranteed renewal policy, the company has every right to reject your renewal.

Now, you’re left with zero coverage for next year. Adding to that, other insurance companies won’t accept your application either, because now you have diabetes and it’s a risk they are usually not willing to take.
Bersenang-senang dahulu, Bersusah-susah kemudian = Standalone medical card

I buy GE reason is the GE insurance sales agent is a lady and provide good service until now hahhaa

The commitment is high. And the investment not that great return.

But life insurance with ilp good right?

In a simple sense, ILP take your money, pay expenses and invest the rest.
If their investment do well (in the future), ILP pays your premium, and the rest are profit (for them).
If it doesn't, you'll end up paying any premium deficit.
So insurance company get the upside, while we shoulder the risk. How is that a good deal for us?

How many years you buy ge until now?

Not every insurance company accept this buy through online skip agent

You're right, plans we can sign up online is limited. Only certain plans/type can.

For the others, even if we contact them they'll pass us to an agent anyway