last I check standalone the premium will increase 25% every 5 years?

so no difference with ILP as well?

ILP not locked in premium until 70 meh?
Mine does.

This post has been edited by Sichiri: Sep 10 2025, 06:33 PM

insurance company auto cancel your medical card when you need it the most

got different what,
ILP - you give me extra money, i invest for you, charge management fee, if insurance cost increase i just take from your investment balance. if i need more money, i tell you
term insurance - you pay me, you got coverage. price is decided by me, i inform you if there is price increase, you dont want to pay, you got no coverage.

but if you didnt topup when they inform you (you decided to pay lower amount as previous), your insurance will mature faster.

Lol Salah Agen ni.

Btw nowadays bnm force all insurance companies to standardize projection to 5% only.

nothing is locked.... mine went up this year.... by 10%.

ilp locked? lmao....

your agents

i also use ILP.. and its fine for me..
problem is unscrupulous agent give unrealistic projection,, with minimum starting premium
if using low risk fund.. get similar to EPF also good liao..

for me since year0 premium paid yearly is >50% higher than the life insurance + medical rider charge.. so touchwood.. now if no pay yearly also can sustain next ~15-20 years, even with medical keep increase

though insurance also mau more untung then yearly e-mail u ask consider revise to higher premium in order to be "sustainable", why bother.. calculate also dont see any such "unsustainable"

This post has been edited by lee_lnh: Sep 10 2025, 08:04 PM

she transparent enough to tell me that coverage until age 100 is useless. if you really need topup insurance once you 70yo, then only do it. why burn so much money when you may not live until 100 anyway.
hubby engaged with her long ago, got health insurance for myself as well.

most will advise medical rider portion until 70.
becoz medical will increase with age.. beyond 70 even more drastic.. and will quick become unsustainable unless u yearly paying high premium margin..

even my medical mine also ends 70, but life portion till 100
so after 70 if critical illness yolo la.. juz die and next of kin can cash out the death benefit...

Can pm ??

T20 also go to gomen hospital

i rather take term insurance until 100 years, but its going to progressive premium increase, so every few years premium increase.
if i felt cant afford anymore (it can be another 10 years, 15 years, 20 years or more) then let go of the insurance.

Depending on age, for example for Kaotim Medikad there is a chart here https://kaotim.my/wp-content/uploads/2025/0...EN-22082025.pdf

My ILP 2 years ago increased 20%. This year wanna increase 30% before BNM warning. Summore the coverage is very poor.

At least standalone better coverage and current premium starts lower. Yes it will increase almost similar to ILP, but better coverage and lower starting point.

The agentless part. Same la. My agent used to be my mom's fren thats why buy and keep adding rider and stuff. Now she resigned and lost contact d. Some random agent assigned to me, keep messaging me asking me to add more stuff nia.

my medical also gg, From age 99 cut until 69, im age 35 now. should get the medical from new agency with new pool ?

This post has been edited by Pain4UrsinZ: Sep 10 2025, 09:20 PM

Dafak???