Hi everyone,

Appreciate any advice for my situation, about a week or 2 ago i got a mail regarding the revise of annual premium. The policy plan that I'm using is PowerLink (since 2013). So right now, im just wondering if i should upgrade my current policy (upgrading in terms of coverage as well as critical illnesses, coverage maybe to 80 instead) or to get a new policy.

Spoke to my insurance agent the other day, he suggested to buy a new policy which is Medisafe Infinite+. The only thing that is preventing me from getting it right away is, i was told to maintained the Powerlink plan for a year and at the same time having the Medisafe policy, which i was pretty reluctant as i'll be having 3 insurance including the company'.So spoke to the Allianz customer service, was advice to instead upgrade the plan and my agent did not mentioned anything about upgrading.

Current policy as below:
Overall lifetime limit - 850,000
Insured Amount - 90,000
Maturity: 2088 (100 years)
Premium:1,920.00

MediSafe:
Overall Annual 1.5M
Lifetime: No Limit
Premium: 3,000.00

again any advice are much appreciated and also if any information needed that might help with the situation le me know, thanks all