what's your current consideration ?

what are you looking for exactly ?

This is a common mis-selling on Investment Linked Policies where agents do not explain the end-tail on policies that is attached with Medical Insurance.

You will accumulate cash value over the course of the years with the insurance company, however, as your age progress, the insurance cost on the medical insurance will eat up on the cash value accumulated until it is RM0. Hence when you look into the "end of the day" sales illustration, it will end at 70 years old (depends on the age that the agent set in the system to compute the proposal) with RM0.

In term of comprehensive coverage between these 2 companies, Allianz will be better than GE.

However, if you are more concern about overall benefit, then there are better alternatives.

If your purpose of buying the policy thinking you will make good investment return out of it. You are buying it for the wrong reason.