Hi denion holocene onthefly , yes , technically it is consider approved with warnings.
Under SIO-Loading i have seen different kind of decisions given on loading , each time also different remarks. They don't use a same template for all loading case. Every person is different , have to depend their gender , age , smoker or not , occupation , existing policy and so on...basically need to reduce/increase back BMI for future endorsement to be approve without loading. Some warning , Some loading , Some rejected.

Hi guys, Need advice.

Holding GE:
(1) Life Insurance: RM190K
(2) Critical Illness: RM100K
(3) Room: Rm200
(4) Annual Limit: RM1.2M (unlimited Lifetime)
(5) Investment Link

Owning since 2010. RM320/month. In early 30s
My question is: recently im thinking top up, should I top up more money in GE to upgrade or apply 1 more from different renowned insurance company? Reason being I want more protection and I heard from my friends said don't always rely on 1 insurance company.   

What I always worried is that what if I kena some illness then suddenly GE told me this didnt cover which im not aware of...i did ask my agent...my agent ask me to upgrade the GE 188 policy covering all type of illness..

Interesting points.

1) Depends.

2) Depends.

3) Depends.

4) Makes sense

5) Depends. Cheap/Expensive is relative.

6) Premiums are subject to revision.

7) No comment.

looking at getting a life insurance policy.

my agent is pushing me to get Zurich ValueLife @ 1k a month for 20 years for a 2m payout + 300k on top for Critical illness

Is this a good plan?

Hi Sifus

i need some advice.
Thinking to upgrade my insurance coverage, especially death, TPD and CI
here is my existing plan
>Medical
>>Annual Limit: RM 3,000,000
>>Lifetime Limit: No Limits
>death 400k,
>TPD 400k,
>CI 500K
pay about RM1k monthly , combination of PRU and GE

39 years old, non smoker, single

My question is
>total 500K for CI is enough next 30 years?
for CI coverage, you always determine this coverage amount based on your current needs - current liability, current expenses, etc. or i put it very simple, how long do you want the CI paid out amount to replace your income? say for example, if monthly income net income is 10k, then in the event of diagnosing CI, this 500k can replace your 4 years+ income.

>when im in CI, medical card is still working?
yes, medical card is still able to use so long the policy is inforced.

>when i'm in critical illness , TPD is claimable due other reason?
before that, make sure the CI claimed will not accelerate (deducted from) the amount of the sum assured (life insurance amount that covers death/TPD). assuming your CI amount won't accelerate the sum assured amount and you have claimed CI, TPD can still be claimable for example due to lost of 2 limbs or cannot perform 3 out of 6 daily activities without relying on a 3rd party
(

» Click to show Spoiler - click again to hide... «

a. Transferring: the ability to move from a bed to an upright chair or wheelchair and vice versa
b. Mobility: the ability to move indoors from room to room on level surfaces
c. Toileting: the ability to use the lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of personal hygiene
d. Dressing: the ability to put on, take off, secure and unfasten all garments and as appropriate, any braces, artificial limbs or other surgical appliances
e. Washing: the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash satisfactorily by any other means
f. Feeding: the ability to feed oneself once food has been prepared and made available

)

>is there any plan mainly for CI and TPD? expensive? single payout or multiple payout better?
premium depending on the coverage amount and the comprehensiveness of the CI coverage. when you plan on this, plan base on single payout. if budget allows, then you can buy that same amount with multiple payout benefit

I am 38 yo and thinking of buying an insurance policy for myself and this is the quote i receive:-

a. Medical Card - 3mill annual limit
b. Life - Death/TPD - 500,000
c. Early CI - RM100,000 (claimable up to 8x) under GE Smartmulti Critical Care
d. CI - RM 500,000

Renewable up to 100 years old

The monthly premium starts at RM1,000 per month but if you want to have confidence that your premium won't increase, you can pay extra. For example:

If 1k, then premium increases bout age 70
If 1.2k, then premium increases bout age 80
If more than 1.2k, then there wont be any increment

My question is:-
a. can the premium remain at 1.2k even after age 80 years old?
to be frank, best answer for you is there is no guarantee on this because the future cost of insurance is not guarantee. best is to plan now that the plan can sustain till around 78~80 years old.

b. If no, how much should i have as buffer in savings to cope with inflation of premium?
there is no certain answer to this too. best you can do is to review the plan annually. also once you signed up this plan, every beginning of the year, insurance company will issue you a Policy Sustainability Notice to inform you what is the estimated age that your cash value will sustain your policy until.

c. I am very interested in the early CI (claimable 8x) - how legit is this and will my premium maintain after first CI?
what do you mean by how legit is this benefit? so long you are told about the criteria for claims and you are aware of the TnC, then it is good already. premium will maintain after first CI claim unless company did adjustment to its cost of insurance.