got my answer already, my first question, just do proposal to illustrate since removing rider no way to show me a pdf of the new premium. but yes just removing medical rider not new policy.

2nd question.. the 2nd agent simply quote.

So far from my own survey.. AIA most expensive for similar coverage followed by PRU. Allianz and GE seems comparable. I am still deep diving.

I am unsure about GE, but AIA portal we can generate the exact premiums for replacing riders. Including projected sustainability.
Can even be sent to client in a pdf document.

Maybe deep dive why AIA so expensive?

AIA to cover to 70 RM275
Allianz cover to 80 RM280

same room band board rm200
annual limit allianz higher

Rest all apples to apples. GE I think Medivalue is most cost effective using the RM20k deductible w/retirement option. Cover to 70 RM200 premium.

Some agents are really noob. Some are very experience. But I noticed a lot of them do not give you the PDF by default, need to ask. I can see how clients end up dunno what they buying. I don't intend to keep changing/buying, I am only doing this to jump into a high deductible inso. GE agent tells me RM5k deductible pool and RM500 deductible pool is separate. So the ppl with RM500 abusing inso doesn't impact me, which is what i want.

Hopefully just buy this, and don't ever need to claim until I die.

BNM mandates that inso companies all give proposal giving projections based on X (worse case) and Y (ideal) to compare. I run my numbers based on X between GE & Allianz.. the gap is staggering for the total COI up till age 80: RM117k for GE 5k deductible vs Allianz 5k deductible RM144k. The Allianz agent really pretty but oh well. 

Anyone with experience with Kaotim product, specifically Kaotim Medikad and Kaotim Legasi?

Looking for standalone, agentless, online type. I check Fi-Life but seems Legasi is much cheaper. Kaotim is by myTakaful, should be ok?

ayam very confused, I think these ILP stuff is hiding a lot of things behind the scenes and agents misrepresenting stuff to sell.

tolong advise
1. I got existing life+ci with medical rider with GE. If I ONLY want to drop the medical rider do I need to cancel the whole policy? or just drop the rider and maintain the existing policy. And if I drop the medical rider, premium logically should go down right? why my agent quote me a new policy.. I just want to remove the medical rider and buy a new medical policy. Or insurance so stupid must cancel my existing policy just because I wanna remove a rider. If my old policy remove and start from 0 again.. fk this insurance I just go other company lah

2. how come same insurance (GE) same policy, same waiver, same deductible, same rider.. 1 agent quote Rm300/month another agent RM200/month... coverage same, benefits same.. everything same but such huge discrepancy..

1st agent.. show as age progress..premium increase..but the rm200 show same monthly premium up to age 100..not possible kan..

Anyone with experience with Kaotim product, specifically Kaotim Medikad and Kaotim Legasi?

Looking for standalone, agentless, online type. I check Fi-Life but seems Legasi is much cheaper. Kaotim is by myTakaful, should be ok?

Anyone with experience with Kaotim product, specifically Kaotim Medikad and Kaotim Legasi?

Looking for standalone, agentless, online type. I check Fi-Life but seems Legasi is much cheaper. Kaotim is by myTakaful, should be ok?

Dah beli?

What % of salary / income is recommended to go towards insurance?

Any recommendation on best priced life only insurance around? I somehow prefer the limited tenor payment, just pay it off early and not have to bother after that. but not sure if that's the best.

What % of salary / income is recommended to go towards insurance?

Any recommendation on best priced life only insurance around? I somehow prefer the limited tenor payment, just pay it off early and not have to bother after that. but not sure if that's the best.

I once read, that it need to take into consideration of your lifestages (example, single, married, married with kids, senior), needs of dependants, liabilities (some plan to use life insurance in place of mrta/mlta), your afford abilities (income & budget), etc etc. So it depends,

Hi all , what do you all think of this life insurance coverage for a 36 yr old female , with no medical problems? Anything better than this ?

Hi all , what do you all think of this life insurance coverage for a 36 yr old female , with no medical problems? Anything better than this ?

Hi all , what do you all think of this life insurance coverage for a 36 yr old female , with no medical problems? Anything better than this ?

First of all this is not a life insurance, it is a savings plan. For purely life insurance with no surrender RM1mil, you can get for around RM100 per month.

Why do you say that leh?

I ask because I referred to the PDS, and no where it says that it is a savings plan woh
https://www.greateasternlife.com/content/da...-pd-gmp-pds.pdf

Or what is it that I am missing?