Speaking as a layman. Insurance is a headache to understand. Until today I tried to understand it by reading the insurance T&C, reading agents comment and discussions, etc etc ..... and still I don't understand it.

All insurance agent will criticize each other plans, stab each other at the back, request to meet you, read ur current policy, sweet talk you with this and that (normally the younger ones) OR try to be a realist (normally the more experience one) and say things like "of cuz each thing has bad n good"... bla bla just like what i am reading right now but yet still I come out as confused and have no idea what the f they talking about.

So don't blame me as end users if we don't understand what you "expert" are talking. Coz non of you can give a straight answer. One say ILP is bad, one say GI is good. Then end up everyone agree got good n bad. At the end of the day, we have no idea what you guys are talking. What is bad about it, what is good about it.... coz its all vague.

Please explain to us user how is it bad, how is it good. Give us examples to proof your statement. Give us a case scenario where its good and where its bad.

Coz personally at the end of the day, I end up buying one with an insurance broker who I somewhat trust. Call me an idiot or what but I feel like after habis talk everything, insurance just seems to be one messy subject full of hidden things behind those thick contract.

This post has been edited by WhitE LighteR: Feb 7 2013, 04:35 PM