Mine is Allianz investment link too , annually 3.6k and suggest increase another 1k+ = near to 5k but i dont care .
Let them readjust the investment portion themself and fix at RM3.6k annually .

this seems to be what most of us is doing.

No such thing lock. Sure got clause you din notice similar to " we can revise the price from time to time reasonably"

If the economy gets worse and higher inflation, then the premium will keep increasing. Recently a person had a stroke, 36 age only, medical cost hospital and Physiotherapy already more than 200k. And that person previously only pay 200++ per month like TS.

But the cons is need top-up earlier than wat we expected , maybe 55yo like that already canot cover the medical fees

this is only 1 of my many policy. My medical is cap at 1Mil from GE.

I guess other policy will have the same issue comin.

unker gonna pass that soon, not sure how long more can last also.

This post has been edited by karazure: Jul 28 2023, 12:17 PM

Urs cap at 1mil limit life time or 1mil limit annually?

life time la, but havent claim any b4.

Good luck with GE , they famous for making yr life hard when want claim .

Now is 1mil annual limit for cheapest plan jo lor , no life time limit .
Ur agent no help u upgrade a when those plan upgraded from time to time

ya meh? no agent wor, he quit many years jor.

looks like unker really need to check.

I'm on AIA medical insurance. I take pure medical insurance only. No investment link.

Already 3 years I'm on this insurance and no increase. I hope can stay the same amount for a while since I have other commitments.

Unker policy 20+ years jor, if not wrong got increase 1 time b4.

Huh I thought SMX was reprice in 2021? I recall my monthly insurance charges jumped by 20% back then.

karazure, anangryorc,
that's why you go with standalone. Whatever increase they already write out and inform you upfront before you sign the form. Of course can increase more than what they stated but all this increase usually affect ILP. That's the reason I avoided ILP at all cost.

If you are still healthy, can surrender the ILP and buy standalone one.

Maybe increase some more?

This post has been edited by Ramjade: Jul 28 2023, 02:27 PM

u damn lucky, only increase 80.
mine increased 450 per month.

mmg suck balls

is there a US Equity focused fund?

is prudential the same?

Your age also increase by day, just keep it.

As you age, the premium gets adjusted up, I'm guessing that's what happened