that issue is the unprofessional agent using 9% return p.a and coverage up to 100 years old in the insurance premium calculation which is totally no logic at all, btw BNM also should review the return % calculation and the high % return

This post has been edited by theozis: Sep 10 2025, 11:02 AM

The advantage of an ILP over a standalone medical card is that the investment returns can offset future premium increases, as shown by actual historical data though you do need to pay more upfront

you may cross check if have close people who working at insurance company's product development

up to 80 is sufficient based on malaysia data

AI Overview

The overall average life expectancy in Malaysia was 75.2 years in 2024, with females living longer at 77.8 years and males at 73.0 years. This figure shows a general increase in lifespan over the years, though a temporary decline occurred between 2020 and 2022 due to the COVID-19 pandemic.

Breakdown by Gender (2024):
Overall: 75.2 years
Female: 77.8 years
Male: 73.0 years

good luck if you need the pre & post hospitalization reimbursement later.

no doubt that ILP is better than term insurance
the problem now is the unprofessional agent provide the incorrect info to consumer while the consumer just depend on agent to spoon feed