Wanting to get a PruBSN with an agent, but is been over a month & still not ready. is this normal?

agent say got manpower issue, & now still in underwriting stage.

& let say I decide to just cancel now, will i get my deposit back?

Mine took 2-3months in underwriting stage

Premium will be refunded if you choose to cancel your application.

PruBSN also?

Yes.

Hi,

any tips and advice about looking for a life insurance ?
will the one using health checkups give me a better rate if i'm healthy ?
Should i favor international & stable companies, such as Axa, Zurich & stuff ?
How do Malaysian life insurances prices compare to US ones, where you can get 2M RM coverage for ~100 RM a month ?
Anyone offering an international plan or at least a list of allowed countries, like USA, Australia, Europe, including Malaysia ?

This post has been edited by Without_a_clue: Oct 3 2021, 12:50 PM

tips to buy life insurance plan in malaysia
https://www.google.com/search?q=tips+to+buy...sclient=gws-wiz

Thanks ! It seems like most of the links provided by google are by life insurances or life insurances dealers, it's like asking Lucky Strike if smoking is bad for health or not

In the past people would just say get 5x - 10x of your annual income for life insurance.

But then again, everyone's life is different as well as their affordability, it's best for the advisor to understand your background and then propose you a suitable plan that fits you.


No such thing, the insurance companies will have a standard rate for healthy people, unless you're willing to go through extra mile i.e eating right, exercising. You may get extra discounts and benefit than other regular healthy people.


it's down to personal preference, but all insurance companies in Malaysia are stable thus far.


How is it comparable when the coverage in US is subsidized by their government?


Yes, there is.

Thanks tons !

If the questions asked for tips about smoking n how to select them, then lucky strike is one of the place to seek info for they knows.
But if the questions seek to ask if smoking is bad, then lucky strike is most probably not the place to seek for answer.
Right question need right place for answers

But Lucky Strike is likely to twist information (hence not tell the complete truth) so you choose their brand over another.
On a forum like Lowyat, you might find truthful people who already largely researched the subject and can guide you with a few sentences.

that truthful person may have his/her motives...which are not known to us
Lucky Strike is at least i know it motives in advance

just like questions posted by forummers here,...at times and some times, they just want to troll and sometimes just for fun ....among many other reasons

This post has been edited by yklooi: Oct 3 2021, 10:52 PM

I used to pay insurance per annum, when i switch to monthly payment frequency, I calculate the monthly cost x12 is higher than yearly paid prior. Do you experience the same?

Insurance companies offers you a discount if you pay by per annum.

Certain plan get discount if you choose to pay by yearly.

Share the good news with your contacts who are :

Ø A Malaysian aged between 18 and 60 years old (next birthday) and

Ø A Malaysian with monthly income less than RM2,500 or Malaysian household with monthly income less than RM5,000

- Guaranteed acceptance including individuals with pre-existing illnesses & disabilities.

- This is an initiative by government, so it's already paid by them. I do not earn any commission from this.

- Limited amount, so redeem it as soon as possible if you're eligible.

Registration link: https://qrgo.page.link/YJbnU



----------------------

Feel free to share the brochure to your workplace / organization / group



Sekian,

This post has been edited by lifebalance: Oct 4 2021, 11:24 AM

If i have two medical plans, can i claim the full room and board from both plans?

Example: R&B hospital charge at RM300 / day

Card 1 - R&B coverage RM100
Card 2 - R&B coverage RM200

As from my experience, you only can discharge using 1 medical card now. Either one of the card.

All the unpaid fees need to do reimbursement from ur 2nd card.

However, you unable to get a define answer here as we are not the claim department .

Call in to ur insurer claim department to get the real answer.

Hi guys, is there any fixed premium for standalone Critical Illness plan? I read that premium for standalone CI plans are usually not guaranteed unless it is tied with Life Insurance