Not agree due to insurance charges stated in the policy is very much cheaper compare to premium paid from Pru policy. I called it irresponsible by making above statement. Nothing different from those agents always proclaim they are branded and can do claim fast. Or never heard of such insurance company, sure got problem 1. You are high class people must get high class insurance from branded insurer. These really a good jokes to me.

Anyway, some of this old tricks works as most malaysian never bother to understand insurance is all about and the content of the policy. Do you know how many insurance company in malaysia? which insurance company never declined claim?

From what I notice, those never stated in the policy doesnt means it won't happen and in fact it did first than those who stated in the policy.

Referring to almost all insurance company which sell investment or saving plan or they always mentioned basic or general plan.