Wanting to get a PruBSN with an agent, but is been over a month & still not ready. is this normal?

agent say got manpower issue, & now still in underwriting stage.

& let say I decide to just cancel now, will i get my deposit back?

Mine took 2-3months in underwriting stage 

This is a risk disclosure.

I plan to renew my fire insurance, and there's this part for me to declare :



Does this affect the pricing ? It is Etiqa Insurance

Usually, insurance companies don't really want to insure buildings/properties left vacant for that long of a period.

Hibah is the voluntary transfer of property ownership from one party to another during the life of the transferor, without any consideration. It is a gift in the form of cash or property, and is often used to honor someone. The word hibah comes from the Arabic word Hiba, which means "gift" or "blessing".

How Hibah is related to insurance?
- Takaful is one of the way to leverage on to leave behind "hibah" to your loved ones. It cannot be challenged by any person or institution, making it a good instrument to guarantee your loved ones receive whatever amount you buy.

Why would someone use Takaful to hibah?
- because you can leave behind money that you haven't earned yet. You pay a fraction, but when death happens, takaful company will pay your family much higher lump sum than what you paid. e.g, you pay 1k/year, sum cover is 10k, so when you die, your nominee will get 10k as per agreed.
I wouldn't say any insurance is making money... cos when a person died, the family loss all the income possibility the person could earn if they still around.
So insurance is minimizing loss... not making money.

I have a 4-year old policy, and unlike previous years, my Agent is no longer as keen to respond to my policy reviews. Is it normal?

None of us here can judge what happened between you & your agent.
You may try reach out  to him/her.

You 2 treat each other kopi/ teh before right? 

The worst kind to buy a policy from….