if they dont sell u investment-linked products they cannot hadiah-hadiah merc and holiday to agent.

hahahaha i hate investment linked products.

my whole family is on Great Eastern Takaful. all standalone life and medical card. quite hefty tho even standalone.

i bought it early last year. all insurance company would still have standalone product.

if an agent tell you they don't have, that means the agent is lying. the reason why they said so is because, for standalone, they dont get much commision out of it for all the trouble, else, how can their agency reward them with a brand new merc, alphard, langkawi holidays etc etc.

from this also you would know how helpful will these agents be when they have collected their 6 months commisions.

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.

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.