Actually I am totally against insurance other them for tax benefits.

If insurance agent can assure me that the money that I put into insurance is much more then if say I put that same money after tax in FD then why not?

It should not be too hard for them if they are serious because tax rate is around 22%. So if say even I suffer a 10% lost it is stil worth putting that money into insurance that can do that.

If an insurance agent can come out with a plan that ensures that i am much better off from a tax perspective he deserves to strike it rich. But like I imply. Malaysians in general is just not that sophisticated. Just like you. You see, it's people who see beyond the system that strike it rich. And there are nobodies like you.

I mean dun you feel embarrassed that someone has to explain this to you?

But you are probably too dumb to see further.

I get it.

This post has been edited by BrookLes: Apr 19 2023, 10:34 PM

You are a sorry case that he honest.
Major insecurity issues.

First you imply that you understood then you come out with this rubbish.

You are the true representation of Malaysia to be honest

Type wall of text

Sure. As expected, from someone of your level.

Whats ur great returns from insurance investment so far?

Epf n Fd should learn from u all in insurance products caz high roi

Wonderful

I am not an insurance agent.
But pointless discussing with a brainless person like you.

So u should believe insurance agent about the guranteed great returns on your investments

Just say no to Great Eastern and Prudential.

When did I say that insurance agents should be believed.
I said they are lousy. Just like you.

Say no to GE. Rm200k is not enough to last you until 70 years old it's enough for say 10 years and this is assume you don't landed up in. ICU. ICU is RM5-10k/day.
If it's normal ward and no major surgery, more than enough.

You can get it cheaper if you DIY instead of bundling everything
AXA emedic plus
Deartime or fi.life death + TPD or FWD

Depend on what you want. If you want the cheapest plan. Nope. Cheapest is medisavers.
If you want fully online with no agent and million coverage, you got yourself a winner (fi.life)

Never take ILP. Always take standalone and invest the rest.
Also don't overinsure just to chase the income tax portion. Just insure enough and claim what you pay.

What's wrong with Prudential? I know Great Eastern got very bad rep.

This post has been edited by Ramjade: Apr 20 2023, 02:04 AM

Please make up your mind woman

Trust or no trust

Just now said good investment now say cannot believe

Anything related to insurance is never a good investment. It's a huge gamble. Good to have. Kalau takde also ok. They will try their best to avoid to compensate you when the time comes. Macam2 shitty alasan. Happened to my parents

Government hospital is the best medical card

Boss, can pm me more details? But ayam jobless so affordability is low ya. Let know boss in advance cause most agents do not wanna waste time layan peasants. Thks

Good morning, sure. will drop you the PM.

You have major psychological and comprehension issues.

When did I ever said that Malaysian insurance agent is good

You better come off your pills soon retard

I said that if someone can come out with a strategy to make use of the income tax loophole, that person deserve to be rich.

But obviously no one did that.

Now go to tanjung rambutan. Stupid.

I have booked my room at tanjung rambutan with u

What loophole is that

WHere u looping to

Why u so smart can think of this loophole which gurantees ur investment

Warren Buffet need to take lessons from u

Maybe he can be richer if he listens to u

Its important to know also the budget that you are willing to put in. Based on the plan, some good some can be improved.

Your budget will determine the value of it.

Aia isn’t a Hong Kong company?

May i know what this package name?