just 15% pa,,,
recently there was a plan offer at 30% pa too on a recent thread. 
(if you look at the image posted in post 17,...this 30%pa "guaranteed income per year" is for 20 yrs while paying just for 6 yrs only)

check that out for further info on discussion made regarding that plan....
hope you could read comments posted there so that you could gather some added info...
Wealth Booster Plan, Investment Scheme
https://forum.lowyat.net/topic/4977858/all

try read post 46 of that thread for my thought on those plans.

For me as a insurance beginner knowledge, there's "trap" everywhere, especially for me.
I'd learned sooo much of these knowledge for these 3 days. Appreciate sifus here.
Now only i understand why some insurance expert always mentioned
You buy insurance, it's insurance, it insured something like health and etc, it's neither saving nor investment.
Im guessing for public people like me, as a consumer for these products, once we know the concept, then we just understand.
The link you provide is great for people like me, that's not truly understand insurance.
Great example too, it's like "trap" of wordings and etc everywhere

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

It wrote something like 6000 x 15% = 900 interest 1st year
6000 x 15% = 900 interest 2nd year
3rd, 4th, 5th
Total interest you earn for first 5 years is 75%
Than my mum wow, such a good deal, where find
At the beginning, my mum wish to intend a total RM50k (she assume RM10k first year, 10k 2nd year, 3rd - 5th), and proceed it with one goal RM50k, yeepy, just left it there 5 years, wait 5 years maturity then she will get RM50k plus yearly 15% (1.5k interest), 50k for 5 years for another type of "FD" (my mum thought it's new style of FD), it will become 50k plus 37,500 interest (total 87500), great deal right?

At the end it become RM50k yearly contribution. And the most terrible part is, my mum hate 'insurance'. She always murmur beside me yearly regarding that she bought a yearly 6k annual premium medical+ life + lil bit of saving, and thinking to surrender every year to save back the 6k 'spending'
Imagine, sounds ridiculous but it does happen

During my dispute with the advisor, i keep focus on this point, did you really expect my mum understand, especially they use those wording that uneducated senior that won't understand, ex. like circumstances, but not mentioning situation.

The draft paper wrote by the agent, i left it in my office together with the policy.
Probably i try to post it here on Monday due tomorrow's holiday and im not working during weekend.

Hi all, i’m an office worker age 27 (just 27 from 11 jul) currently holdings 2 insurance

- Great Eastern (provide by company)
IPD : R&B RM100, Other Expenses 15K per disability (No Co-Pay)
OPD : RM 1,200 per annual (RM5 Co-Pay)

- AXA eMedic plan 100
IPD : R&B RM250, Other Expense 100K per annual (No Co-Pay)

I wanna switch or upgrade from AXA eMedic to another AXA plan or another company.
Can anyone suggest me for:

- R&B ~ 300
- High annual limit or per disability
- No Co-Pay & Cashless at network hospital (preferred Thomson KD)
- CI, PA, CB is a plus (may offer btw pure medical and all in one to compare rate per month)

Thank you

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

if you are riding motorbike to work,...try get a PA for a start
check if your employer did provide any kind of insurance for you, if they are providing some kind of insurance, try to seek more info about the type of coverage and the amount it gives....
then review if that is enough for you now.

Hi all, i’m an office worker age 27 (just 27 from 11 jul) currently holdings 2 insurance

- Great Eastern (provide by company)
IPD : R&B RM100, Other Expenses 15K per disability (No Co-Pay)
OPD : RM 1,200 per annual (RM5 Co-Pay)

- AXA eMedic plan 100
IPD : R&B RM250, Other Expense 100K per annual (No Co-Pay)

I wanna switch or upgrade from AXA eMedic to another AXA plan or another company.
Can anyone suggest me for:

- R&B ~ 300
- High annual limit or per disability
- No Co-Pay & Cashless at network hospital (preferred Thomson KD)
- CI, PA, CB is a plus (may offer btw pure medical and all in one to compare rate per month)

Thank you

where do you get the term "excess" from?

Hi, would like to ask sifus here about recommendations for investment link policy for life/total permanent disability/ci

Age 32 non smoker

1.waiver in case of having CI/TPD
2.annual limit may be 1m++
3.lifetime unlimited
4. Cover till min 80
5. Life/ci/tpd payout 300k
6. Single room 300

Better to take deductible 1k for reduce monthly? And roughly how much premium will increase over time?

Budget around annual premium of 3k

Thank you.

At what age do you all bought your first insurance? I am young and fresh out to the job market. When should I start covering myself? Also, any recommendation for me?

Hi, would like to ask sifus here about recommendations for investment link policy for life/total permanent disability/ci

Age 32 non smoker

1.waiver in case of having CI/TPD
2.annual limit may be 1m++
3.lifetime unlimited
4. Cover till min 80
5. Life/ci/tpd payout 300k
6. Single room 300

Better to take deductible 1k for reduce monthly? And roughly how much premium will increase over time?

Budget around annual premium of 3k

Thank you.

Taking an ILP now will lock in the premium that you need to contribute that is recommended to sustain until certain age i.e your case, you want until 80 years old. However should there be any medical repricing over the years by the insurance company, they may recommend you to increase your premium payable in order to maintain the same original sustainability (80 years), otherwise you may be advised by the insurance company that your term would have been shortened / reduced ((say dropped to until 75 years) due to the increase in cost of insurance if you refuse to top up the difference recommended by the insurance company.

Now, moving back to your main inquiry, having deductible will definitely reduce your cost of insurance incurred for your hospital & surgical benefit (which a lot of people would call it the "Medical Card").

However most of the famous companies nowadays will allocate up to 300 as a deductible instead of 1,000, some other options are 5,000 - 100,000 deductible.

Based on what you are requesting, it's kind of impossible to get the said benefit for 3,000 yearly. You may need to increase your budget or reduce the benefits / terms of the policy i.e 70 years instead of 80.

Hi, thanks for the reply...roughly how much will be the premium based on this if wan to maintain the condition?

Hi, would like to ask sifus here about recommendations for investment link policy for life/total permanent disability/ci

Age 32 non smoker

1.waiver in case of having CI/TPD
2.annual limit may be 1m++
3.lifetime unlimited
4. Cover till min 80
5. Life/ci/tpd payout 300k
6. Single room 300

Better to take deductible 1k for reduce monthly? And roughly how much premium will increase over time?

Budget around annual premium of 3k

Thank you.

Sure, let me check it up for you, do you prefer to add on with 300 deductible or without any deductible ? or would you prefer to know the difference in the premium between these 2 ?

Edit*

I've decided to get both figures for you

it will be around 675 monthly without the 300 deductible, 625 monthly with the 300 deductible.

Thanks alot for sharing