need feedback on my insurance policies portfolio:

1. AIA Assurance 1
Life insured: 200k, expiring age 100
TPD: 210k, expiring age 60
CI: 150k, expiring age 100
Premium waiver

2. AIA Assurance 2
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 60
CI: 50k, expiring age 100
Medical card: 90k annual, lifetime 300k, room & board 150 expiring age 70 (with co-insurance but cant recall how much already, maybe 10-15k)
Premium waiver

3. Allianz PowerLink
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 65
Medical card: 120k annual, lifetime 1.2m, room & board 200 expiring age 100
Premium waiver

4. Tokio Marine Medic Plus
Medical card: 150k annual, room & board 500 (deductible 10k per disability)

Thinking of optimizing both AIA policies but what would be a better option with the newer policies or just maintain them? To me, the more important is medical card and CI coverage.

Appreciate views from all. Thanks.

1. You mention your priority is Medical and CI coverage, have you figure out how much you're looking to cover? - there are few methods of finding it out

Based on what i read, CI coverage could be 3x annual income but this is quite high to be honest and might not be affordable. I think 200-300k could be good enough for now. Is there any standalone CI policy in the market?

2. Perhaps you can look into consolidating into a single policy if you'd prefer an ease of making claims / managing your policies. I.e a single medical card with high annual limit (nowadays they come min RM1 mil annual limit and above) instead of the current set up which has low annual limit + covering another card's deductible/co-insurance.

3. You can look into upgrading on the existing policy (if it is allowed). Probably get your servicing to quote for you.

Issue is these 2 AIA policies were very old policies bought from 2 agents which i dont have any contact now. Not sure whether can change agent or even upgrade the coverage.

4. I can only give a general comment as I don't know you personally.

Hi Sifus, I'm planning to work as an agent part time.

May I know which agency would work best for a part timer?

I have a flexible work schedule as my full time job hence.

I'm thinking GE ,AIA , Allianz

Talked to GE earlier seems to be decent but I'm looking forward to my other 2 interviews.

I'm looking for
1. Mainly a way to grow since my freelance job is my stable source of income.
2 Learn new skills
3. Looking for a supporitve team

Hi Sifus, I'm planning to work as an agent part time.

May I know which agency would work best for a part timer?

I have a flexible work schedule as my full time job hence.

I'm thinking GE ,AIA , Allianz

Talked to GE earlier seems to be decent but I'm looking forward to my other 2 interviews.

I'm looking for
1. Mainly a way to grow since my freelance job is my stable source of income.
2 Learn new skills
3. Looking for a supporitve team

All insurance companies and takaful operators under the Life Insurance Association of Malaysia (LIAM) and Malaysian Takaful Association (MTA) have confirmed that they will provide hospitalisation and treatment coverage for COVID-19 – but your policy may differ in terms of specific benefits, terms and conditions.

Here are the list of LIAM insurance and takaful operators providing COVID-19 coverage:

AIA Bhd
Allianz Life Insurance Malaysia Berhad
AmMetLife Insurance Berhad
AXA AFFIN Life Insurance Berhad
Etiqa Life Insurance Berhad
Gibraltar BSN Life Berhad
Great Eastern Life Assurance (Malaysia) Berhad
Hannover Rueck SE, Malaysian Branch
Hong Leong Assurance Berhad
Malaysian Life Reinsurance Group Berhad
Manulife Insurance Berhad
MCIS Insurance Berhad
Prudential Assurance Malaysia Berhad
Sun Life Malaysia Assurance Berhad
Tokio Marine Life Insurance Malaysia Bhd.
Zurich Life Insurance Malaysia Berhad

Benefits such as: (Depends on the company)
- Hospitalisation benefit of RM200 per day up to 30 days
- Death benefit
- Hospitalisation cash relief
- One time payoff upon diagnosis

need feedback on my insurance policies portfolio:

1. AIA Assurance 1
Life insured: 200k, expiring age 100
TPD: 210k, expiring age 60
CI: 150k, expiring age 100
Premium waiver

2. AIA Assurance 2
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 60
CI: 50k, expiring age 100
Medical card: 90k annual, lifetime 300k, room & board 150 expiring age 70 (with co-insurance but cant recall how much already, maybe 10-15k)
Premium waiver

3. Allianz PowerLink
Life insured: 100k, expiring age 100
TPD: 100k, expiring age 65
Medical card: 120k annual, lifetime 1.2m, room & board 200 expiring age 100
Premium waiver

4. Tokio Marine Medic Plus
Medical card: 150k annual, room & board 500 (deductible 10k per disability)

Thinking of optimizing both AIA policies but what would be a better option with the newer policies or just maintain them? To me, the more important is medical card and CI coverage.

Appreciate views from all. Thanks.

all my cash value in allianz income provider become 0 inside my customer portal, omg!?

is this some technical glitch? anybody else having same issue? it suppose to have rm81k in it.

  I doubt 81k will go missing all the sudden, call in tomorrow to check with the customer service.

it stated 'in-force' but like this

Any AIA agents here can confirm whether Covid is categorized as infectious disease or not?

Any AIA agents here can confirm whether Covid is categorized as infectious disease or not?

Any AIA agents here can confirm whether Covid is categorized as infectious disease or not?

Do note that Covid has 5 category: 1-5 (1 is mild 5 is very severe that on ventilator.) We need the AiA agent Rajan CFP to clarify which category is cover and which is not cover.

As I heard 1 & 2 admission to private hospitals is non-coverable.