Thank you for your reply. The bolded part, it's quite difficult to say because if we lose our licence for example bcoz of a critical illness like diabetes, we won't be able to fly but we can still work elsewhere. but since we fall back to our spm bcoz we lost our licence,its gonna be hard to find a job. So an agent explained to me, in that case the insurance company will not pay up because we can still work elsewhere.
Hi. You've never heard of loss of licence because it is only offered by airlines. So as far as i know, no insurance company offers it. But some agents try to sell their product using this term which i think is wrong. I was young and ignorant when i got the policy 9 years ago. A few associations outside Malaysia do offer loss of licence. This is why I'm only looking for a medical card and life insurance.

There was a friend who told me that his life insurance coverage is RM1 mil+ and he's only paying like RM2000+ a year for it. I forgot to ask him from which company and i honestly don't know anything else about it other than those figures. Is it plausible to have that kind of coverage at that price?

https://www.aia.com.my/content/dam/my/en/do...rochure_1st.pdf

Is this insurance ok?
one of the Q&A in the AIA website:-

06: WILL MY COST OF INSURANCE INCREASE
AS I GET OLDER?

As the Cost of Insurance for A-Plus Health is
deducted depending on your attained age, it will
increase as your age increases.
Is this mean that every year the premium will be increased as per the table below...

Yeah the agent did explain to me & to my surprised the new policy sustain age is 80 years old compared to my older AIA policy which was only up to 70 years old. Although I admit the AIA do have higher medical card limit which is 1.5m compared to GE but 990k is still pretty high. There are some benefits to AIA such as that RM300 medical checkup yearly provided you didnt make any claims from your medical card...

Hi Cyclopes, GE post-hospitalisation treatment it depends on whether Smart Medic Enhancer is attached or not. So yea if this rider is attached, then yea the post-hospitalisation is extended to 180 days.

hi sifus,

nowadays almost all insurers sell life insurance via website. question is, the perception is that if no agent to serve, the process is complicated.

so is it actually complicated for next of kin to claim the insured value upon passing of insurance bearer?

thanks!

Hallo sir. Currently only ride on company medical benefit.
age 28 and executive.

Could you elaborate on the fund history? do i need to select the fund or what?

Sorry noobies here

Tq

Hi , I would like to seek answer what my agent said is true or not.About one week ago, my agent contacted me and said the insurance company doing offer by let me change the current policy from prulife ready to pruwithyou with medical no waiting period.As my existing policy was only 1 million for life time, then I agreed to shift to new policy.
Currently there are 2 policy , one old and one new, the old policy premium revised to lower.
Then I asked my agent  , do I still need to pay for old policy, she said no need but I afforable , I can pay it and the cash value will be more.
I felt weird why to keep the old policy as she mentioned my medical benefit transfer to new .
She answered me it is better to keep and the surrender value will just reduce a bit when I surrender 2 years later.
Can I have advise if I dont pay the old policy premium , will it really be like what my agent said, the surrender value will just reduce a little as only cost of insurance charges.
I attached screenshot but as she replied in Chinese  so hope got people can help.

Hi guys, wanna seek your advice.

GE advised me to increase my premium. What if i dont want to?
The FAQ only mentioned they highly recommend me to but did not mention if i dont want. And my agent barely do anything..

Its weird that i am the only one to increase but my family didnt. We bought the same plan but different coverage.

hi all, i'm considering to get an insurance for our soon to be out baby.

1. What to take note in this kind of insurance?
2. How much would be a decent amount for the baby's coverage?

And am currently looking at GE Smart Baby Shield, PRU My Child Plus.

Would like to know if any experience parents can share me some tips? Thanks a lot!

Hi everyone,

This is my first time postion on this session of the forum.
I am 29 year old, married with a kid.

i am saving around 4k/monthly after deducting all my monthly expenses including current Life Insurance, PA, and Medical+Life.

Below are the premium I'm paying and coverage I'm getting.

AIA -Anniversary P.A --> Yearly Premium : RM 1060 -> Coverage : RM 1mil Death/Dismemberment

AIA -Medical+Life --> Monthly Premium : RM 330 --> Annual Limit RM 1mil, No Lifetime Limit, Death Benefit Rm100k+Fund value & Bonus

Allianz PremierLink --> Monthly Premium : RM 1.5k -->Sum Assured RM 2.1mil

Recently my AIA agent came to me with A-life Wealth Care plan to increase my savings and at the same time provide protection for my family upon my death.
She said with a monthly premium of RM 700, the sum assured will be around RM 1mil.

I wanted to know is there any other insurance company with similar plan for me to compare before I make a decision.

Thank you Denion. The one suggested by HLA was a very min premium which just covers the loan only. I thought of getting some returns by increasing the premium.

The reason I posted here is to get an idea on which Insurance company is trustworthy. And easy to do the paperwork in case of demise. As well as Long or Short term Pay.

Any suggestions are welcome!

happy holiday people, #StaySafe.

applies to both yearly renewable and level term also?

Hi David,
Like you stated above, i am thinking of saving plan comes with life insurance to build inheritance for my family. Even if i were to diagnosed with critical illness and had to quit my job for some months/years, i should be able to continue with current lifestyle and provide food for my family at least till i get back on my feet or my death
Hi Ck,

I want to accumulate wealth more and at the same time increase protection for my family in case I’m gone
Hi Cyclopes,
I am want it to be an addition and surely not for replacment.

Hi all, I am planning to get a life insurance with savings plan to maximise my tax relief. My friend recommended Great Eastern Flexi Plus. Do you guyz think it’s a good plan? Is there a better alternative? Thank you

Hi all,

Need a recommendation on a life insurance policy and seems like this tered might be a good place to start.

Details about myself

- age: 24 y/o
- occupation: bank executive. So pretty much just office work
- non-smoker
- single ( unfortunately ) and only one debt commitment for a car. But the monthly installments are just below 15% of my gross

Am looking for a Non-participating term-life policy. The kind that can be bought online at an affordable price. I've taken a look at a few companies and noticed eTiQa is the cheapest at under RM 50 a month. But I would like to know if anyone here have better options to suggest.

I'm a bit unsure as to how much coverage I need, but I assume RM 500k for 20 years coverage since I may want to pursue larger financial goals like buying a house maybe 10 years down the road

Would appreciate any thoughts or suggestions

Side note: The reason why I really highlighed the word "non-participating" is because despite this is what I firmly want, the insurance agents that I spoke with (just the ones i asked, no further) cannot seem to understand. A participating policy or IL-policy is always suggested with high premiums that I don't want. For me, cost is a major consideration when buying term insurance.

Hi All,

I had medical coverage from GE as below :

Life + CI
SM200 (medical)
Premium waiver
Smart Extender 120K

However due to family history, I may prone to be high risk on canceer. Hence, would like to get some advice :

1) Is my current coverage sufficient?
2) If no, is it advisable to top up (either additional riders or increase coverage limtis) or purchase from another insurance?

Other opinion or suggestion are welcome.
Thanks

That seems nice. What's that policy name under AIA? I might check it out.

Hi, can I ask one thing in regards to your industry.

Many times I have to sit down and listen to an agent talk for 1-2 hours about the product offering. I'm aware most features are standard. When I ask about their competitors and how their plan differs and what are the advantages / selling strengths, they are unable to give any meaningful points. Most of it boils down to "Let me see the policy and I'll advise you."

Is there a lot of obfuscation in regards to competing policies or is it just smoke and mirrors ? I understand a sale is hard to make in this time and age but I really despise having to sit down for an hour or two to make small talk for this sort of thing.

Looking for a pure no-frills standalone medical card.

I’m a 30 year old bank exec (group covered), single and a casual smoker. No pre existing medical conditions.

Budget is 3k/year and hoping to get the widest coverage with highest single bed R&B. No investment-linked plan pls. I do my own stock picking. Hope any sifus here can help me out.

Hi all,

I am having 2 AIA insurance.
1. A-Life CriticalCare (FullPay)
cover ALC2 A-LIFE CRITICALCARE(FULL) and DCF6 A-PLUS DISABILITYCARE
Premium: RM2,795

2. ANNIVERSARY LIFE PLAN
Cover: ALP2PB ANNIVERSARY LIFE PLAN and WP-N 3N EAPWP/BASIC
Both coverage amount is RM20k for each
Premium: RM398

Both plans are stated as Life insurance in the MyAIA online account. May I know is this correct? Should the first one is a medical insurance?

The first plan premium is quiet heavy to me. Having it for about 5 year, if I want to reduce my premium, besides the coverage amount will drop, what are the things will be affected?

Appreciate your advise. Thank you.

Question for those with AIA,

For ILP the minimum monthly premium is RM150, however the selected option might be below RM150, lets say RM143. What does actually happen to the extra RM7 I would have to pay to meet the minimum premium?