Hi all,

Below is my current plan, used to be monthly RM240 on PRULink Assurance Plan.
Then agent advised me change to RM100 on PRULink Assurance Plan, and RM140 on PRUWith You. (Current)
Now agent advise me cancel PRULink Assurance Plan, and total RM240 on PRUWith You instead.
Should I go for it or there's something going on? Thank you.

PRULink Assurance Plan | RM100
Benefit Description - Benefit Purchased
PRULink Assurance Plan - MYR 80,000.00
Accident Medical Reimbursement - MYR 2,000.00
Accidental Death & Disablement - MYR 80,000.00
Crisis Shield Benefit - MYR 80,000.00
Enhanced PRUPayor Basic - MYR 1,200.00
Hospital Benefit - MYR 200.00 per day
PRUDisability Provider - MYR 8,000.00 per annum

PRUWith You | RM140
Benefit Description - Benefit Purchased
PRUWith You - MYR 10,000.00
Payor Basic - MYR 1,680.00
PRUMillion Med - MYR 250.00 (Room & Board)
PRUMillion Med - Med Saver MYR 300.00
PRUWith You (TPD) - MYR 10,000.00

This post has been edited by Ching Aik: May 15 2021, 10:19 AM

Hi lifebalance, thanks for reply.

Sorry I edited the post, benefit was reversed.
She says old plan is oudated, with this can help me change coverage from 36 critical illness to 160 critical illness.

Some of my friend inform to never cancel old policy, so I'm hesitating.

This post has been edited by Ching Aik: May 15 2021, 10:25 AM

There's no topping up, monthly commitment remain the same RM240.

She says Death/TPD/Accidental Death/Critical illness payout is same, just that it increase coverage from 36 to 160 CI.
From paper it looks benefit?

But many tell not to cancel old policy as they're always best value and investing to new one agent take large portion of commission or some sort.
So I'm hesitating if to go for it, or there's other opinion? Thanks.