i believed that they are getting a certain percentage of commision based on your monthly premium up to 6 months. that's what i understand from my old stupid agent, after 6th month, she dont even bother to check on you even if you dont pay.

it depends on your budget and planning tbh. currently i am paying RM460 for myself, wife and daughter. if i go for ILP, it would have cost me double the amount. either ILP or standalone, after a certain period of time, the premium will increase so if you think you can handle ILP now, you have to make sure you can handle the ILP increase in let say after 5 years.

Nay, i believe agents will still be around. Nothing beats having an agent helping out when doing claim and answering even the smallest questions.

By the way i see several insurance companies selling online.
Why choose  GE?

I'm still buying car insurance through my agent. I can probably get it cheaper elsewhere but old friend, what to do? Calls me up yearly for the renewal too, so I don't forget LOL.

Tumpang thread, tq.
Investment link vs Standalone

Which one better?