i do a lot of research on insurance and saving plan on these few months.

i found out that most of the insurance agents didnt tell you the truth, such as the hidden fees, un-protectation part...and so on. so disappointed

for my advice is ask many insurance agent as u can ( even they r from same company, they always tell the diff story)

one of my insurance friend told me that insurance is very simple just for protection, not more than that.
for example, if u wan add on saving plan, why dont u go to bank? this is what the bank for.

dont believe on what they said.....medical plus saving (bull shit )

So, did you meet honest agents???

Joo,

I liked what u've said although i'm an agent myself! There is no such thing as medical plus savings. Medical is medical. Savings is savings. You can't get both good in one policy! All are just selling gimmicks and BS.

ya, medical and saving are 2 different policy, but sometime it comes together as one basic plan and one rider

i think its the web site problem ... too IE oriented.

Why is it so hard to get this message across? Friends of mine have been so happy with their medical plus savings plan they shut me off from their first breath whenever I explain to them about basic insurance and savings.

Is it that human will only learn it the hard way?

its very subjective one. different people have different preference.

This is a good 1. Hahaha

Different people have different needs...

I think you need to learn more NLP, then may be message gets across easier ...

most ppl don't care about 'basic insurance and savings', but everyone is interested in getting their needs satisfied.

I think most of the consumers in the market don't really know what their insurance needs are...

This post has been edited by lcl832002: Apr 16 2009, 01:28 AM

(hi sorry i don't know which topic is suitable)

I'm looking for a great health (not life) insurance in which my policy will continue even after the insurance company has paid compensation. Sort of like Western style health insurance, where they will not terminate your policy after an operation or something.

any recommendations? most local health insurance only pay compensation once, after that they don't want to extend the policy

hmmm... maybe you have got confused of Critical Illness and Medical Card.
The one that you are mentioning should be Medical Card, which is yes, they will continue to cover you even after you've done your operation.

What a very professional advice... haha...

You got do CFA? I trust insurance agent who do CFA one...no CFA means hopeless one...!

Hey, lcl832002 & Ric - stay cool!

Jeje, treat you guys ice cream and or babe




This post has been edited by secretsquirrel: Apr 27 2009, 09:34 AM

What does CFA has to do with Insurance or Financial Planning?

Or was it a typo error?

wah CFA so power meh ?
need to sign up aldi

erm.. is this line for me?

I thought is either CFP or RFP?
Does CFA has any direct matter with personal financial planning?