Guys I'm buying Prudential term life insurance which renews yearly. Insure 500k for death or TPD. I'm 40 next year and the premium amount is RM1015. It will roughly be the same for other insurance companies right?

Reason I'm buying this is I'm the sole income earner for my family of two kids. My company already bought medical insurance for me to cover outpatient and hospitalization (unlimited)

This post has been edited by Barricade: Jul 8 2021, 11:40 AM

I do have medical as well from GE on top of my company’s coverage. Thank you for pointing that out.

Guys i wanna ask about car insurance. Is PrOmilej the only company that can insure based on selected mileage?

Etiqa very troublesome. It's not a form of discount, but a rebate given later. PrOMilej we get to select how many KM we want to insure and the premium is based on the mileage we select. I'm WFH for almost 2 years already and my cars only travel 1k KM in a year.

Bought it since last year.

Mine is RM0 for excess. I’m 39

Submit when I buy lo. One week before my insurance ends.

Since i don’t drive much so doesn’t matter

I suggest if you guys wanna buy house/fire insurance avoid ETIQA/ETIQA TAKAFUL at all cost.

My experience with ETIQA is shit. My house is insured for a whopping RM1mil for fire and content. Recently my pipe burst near tangki and i had to fix it. Submitted the claim to ETIQA and it's been two months no respond. Called their hotline they cannot do anything also. Just say pending with their approver to approve. They even give me their approver telephone number and ask me to call the approver directly. I was like WTF. Isn't that your job as the call centre?

I tried calling the approver but nobody will ever pick up the phone. It is a frustrating process just to claim RM200. (Bill is RM450, the first RM250 is not covered by the insurance). I submitted a complain to bank negara and let's see if anyone try to contact me back.