Yes, ur right. I'm going to married soon so I would like to make some adjustments on it.

Life I think will maintain 100k first until I have children then will review back financial status see whether to increase or anot. As currently I think my asset able to cover it in case anything happen.

I will focus on increase CI 200K first.

I plan to remove hospital income as you said because in case anything happens I can claim MC or hospitalisation leave up to 60days.

I plan to add PA 200k, not sure 30/month able to make it or not?


a-life beyond critical care look good but the annual premium if I'm not mistaken is around 3k+ for my age 32

Btw my current CI plan is cover 36types is that sufficient because I saw a-life beyond critical care cover 76types

36 types of CI normally only cover late stages. Which means, you'll need to be really critical / near death before the claim will be paid out.

Whereas there are policies now that cover up to 194 types of CI which makes payout much more likely. Premium can be affordable, 100k is about 127/m for a 32 yr old.

There are plenty of good PA that can get you 300k coverage at 30/mth. Some with renewal bonuses up to 150% incremental (That means getting up to up to 750k PA for the price of 30/mth). It will also cover you all other sorts of things besides just accidental death / loss of limbs.

This post has been edited by lifebalance: Jan 28 2023, 12:12 PM

This one you discuss with your agent. But you can ask him whether there is option to add 75 CI in your current plan, A-Life Link.

Cause 3k per year, not a small amount of money also. Cause later down the road, you may want to save this money to increase/add life coverage when got more dependent.

Keep in mind for everything you add to your ILP, the less sustainable the current premium going to be. I.e you need to topup somewhere in the future or you need to increase the amount of premium you pay. Something to keep in mind.

Hi , is there somewhere a newbie can start learning or investing in what you mentioned S&P500 etf?

You may read up on https://www.imoney.my/articles/invest-exchange-traded-funds/

https://www.bursamalaysia.com/trade/our_pro...ge_traded_funds

However, please keep investment topic out of this thread unless its fund related to the insurance companies.

This post has been edited by lifebalance: Jan 29 2023, 01:57 PM

I believe there's an over-emphasis on costs, as opposed to what the objectives are in acquiring personal insurance here, be it a Life policy, a Hospitalization plan, Critical Illness, etc.

While it is prudent to be mindful of cashflow, my personal suggestion is to allow for your meetings with my fellow colleagues and myself to be open, transparent, to speak and share freely. And more importantly, to allocate adequate time for these discussions to happen.

Yes, we do get remunerated for whatever transaction that happens.
Since that is the case, why not allocate the time to arrive at what is suitable and relevant for you?
The industry is moving in the right direction with the right trainings, and a monitored, regulated emphasis on ethics, treating customers fairly, Financial Health Checks, all the good stuff.

Among my best customers have quickly become my family friends over the years, simply from the quality derived out of the time we spend together. People of the similar profiles can have very different outcomes and executions, because it's about the person, not the product, not the plan, it's about you.
No two outcomes from going through the due process in fact-finding will be the same due.

At least I have a lot of faith in today's standard of trainings, monitoring, regulations, etc.

Let's talk more about the objectives!
Who knows? You might just get exactly what you want, as opposed to anything else, or worse, everything else.

Erm... Yes. You are repeating, that is why the person who posted expected to pay more. That additional premium will help with the sustainability. It may still be insufficient but in theory, it helps.

May I know which PA up to 150% renewal bonus?

Is PA ok to purchase online? Will there be any claim issue?

This post has been edited by lawrencehl: Jan 30 2023, 08:36 PM

upgrade vs replace. what are their difference?

What's the context?

Upgrade ... continuity with certain or limited addition

Replace .... start new

Perhaps you should elaborate more on this? It could be interpreted into many different meanings.

Hi all, I was trying to get myself a medical card recently, but was told by the agent I will need to add another 20% of the premium due to my BMI (Obese??). My height is 172 cm and weight is 82 kg, BMI 27++, is should be categorized as overweight, but not obese. Just would like to check this is something correct or not? A common practise in the industry? As if BMI 27 also considered obese?

I tried to use the AXA eMedic self quote but didnt come out with this issue also.

This post has been edited by shanjuen: Feb 1 2023, 04:36 PM

hi shanjuen, based on my experience, this BMI isn't consider as obese. any other health disclosure? or any check up done upon applying this insurance policy?

Hi Sir. Nope. No other health disclosure or check up was performed. Was asking the agent propose me a standalone medical card, and he came back with this after I gave him my weight and height. I am quite surprised to see this actually. Gonna call Allianz tomorrow to verify this.

This post has been edited by shanjuen: Feb 1 2023, 09:55 PM

if there is an offer to impose loading, supposedly your agent has the letter to show you. btw, after you call and ask Allianz, do update here on this matter.

This happens when your application is not comfortable with the insurance company underwriter.

You may try another insurer. It happens to me when I tried to apply for one of my client with insurer A but came with loading but I also applied with insurer B and didn't have any loading.

Happy chap goh meh and happy Thaipusam for all those who celebrates ya!

Hope 2023 comes with good health and good cheer to all of us =)

Hi all, recently I sign up a prudential medical card plan PRUwithyou in early of December 2022.

The insurance agent told me that prudential is having a FREE 1 month promotion so I no need to pay for month of December. Only need to pay in month of Jan.

When I log into PRUaccess plus, I found out that my policy commencement date is 01 JAN 2023 but policy date indeed written down as 7th of December.

Does this imply that no such thing as free 1 month? She just delayed my policy commencement date and I was eventually not under covered in December 2022?