My take is depends on your expenses.
if you are the breadwinner of a family, the bigger the better.

My take is, depends on the chances of you claiming for pa.
Some some consideration are Do you rides motorbikes to work n leisure? Does you occupation requires working at height, involves uses of dangerous manual tools., using bicycles for execises, etc etc...
The list are up to you to imagine
The higher the chances of accidents, the higher the coverages if you have a high level of liabilies n dependent commitments

There are plenty of available good PA plans out there with extensions to cover a lot of other things beside Accidental Death / Dismemberment.

That being said, your agent should know what you need for PA if you're their client since everyone's need is different. I can't tell you how much you need if I don't know you.

Hi All,

I would seek some opinions from your guys.
My insurance policy being an orphan policy which the original agent already quit out from insurance industry. A*z company has assigned another service agent. However, when I deal with this service agent among these few years, all the while she do ask me direct write in email to CS or going branch office settle myself. Although she will answer my question, but reject to follow up and do documentation stuff. Some more recently she like annoying and inform that if I am not satisfy with her, I can request to office for change service agent. And, she said she is kind to accept me this kind of orphan policy without any commission. By the way, I have upgrade the policy among these year by attend myself to office, I'm not sure that it is have paid commission or not.

So, shall I request office to change another service agent? Is it the same situation will happen?

How I shall do if my policy become an orphan policy? If there have any emergency case, I have no idea contact who...

Normally the person who takes over your policy after they resign will be their upline unless the upline assign it out to their downline or elsewhere.

That being said, some agents may not want to pick up other agent's leftover especially if they are not being paid for it but yet need to spend time to fix the mess they made.

However, if they're the upline, they would have earn some kind of overriding commission for it.

If you feel that you are not satisfied with the current agent, you may contact the insurance company to assign you another agent.

The branch office CS last time has told me that this current agent is the upline for that resigned agent.
If I request to change service agent, will impose any charge by insurance company?

No charges will be imposed.

If the agent has shown displeasure in attending to you, it would be in your best interest to seek out another agent who shows more compassion in wanting to serve you. She may not be there when you need her most.

Though currently not necessarily compensated, there may be other opportunities along the way for the new servicing agent.

But if she is the upline, definitely she has benefited from you too.... the is nothing "kind" that I can see.

hi mini orchard, already reply in spoiler

some of us here can help to service your policy. you can get contact from few of us here and it's good you have our contacts so if you need any help on claim we can help you to handle too.

Is there a way to change insurance agent ?
I just started paying for 1 year and half.

Thnx in advance

Request with your insurance company to do so and see what they say.

if you change agent,...the rest of the commission for the existing policy will still goes to him/her?

what insurance company is that?...maybe check their website for info,...i am sure can request for change of agent servicing you

Sure not to the insurance agent. The insurance agent is rude and has bad after service.

Allianz. I'm just asking first.

Allianz is easy, just request for the change and sign off a form.

Commission will remain with the original agent.

What if commission transfer to other agent too ? Can't do that?
Sorry, I have no knowledge with insurance

Nope, whoever is taking over or you wishing to appoint will get RM0 / zero / nothing.

Then is my bad for signing up with this arrogant agent.
Quite unfair really. Bad agents still be rewarded

now you can spend your time to find a better agent if you think your current agent can no* longer give you the right advise / someone who you don't want to engage for advise.

This post has been edited by lifebalance: Jun 28 2021, 09:52 PM

I did not meet face to face with this agent. Recommended by my sister. I signed within 1 week. This is the wrong move I made. Hasty and desperate at that time. Now when it comes after service during pandemic he is very rude.

This post has been edited by kawa_e: Jun 28 2021, 09:50 PM

so what he did that you keep mentioning is "rude" ?