Hi,

I'm looking for Life, CI, PA and medical card insurance to top up my current insurance plan. I researched for some time now and got some products in my mind. But I would like to further understand about these products (or maybe you have better suggestion/comparison to it that I'm not aware of) before making the move. I would like to point out that I'm not expecting investment growth from the insurance products, I'm solely looking for protection.

Gender: Male
Age: 31
Smoke: NO
Health: Good, no claims before.
Owned insurance plan:
- Life, CI & PA -> from GE, cover up to RM100K.
- Medical card -> cover by my company, group policy from ING, family plan, RM42K per disability.

I'm pretty interested in the products shown below, please help to provide info, guidance or suggestion if you have better idea.
- Life, CI & PA -> Public Mutual, Mutual Life Plus 2, RM200K, premium is RM1100 per year.
- Medical card -> Allianz, EB MediShield Plus, RM50K per year, RM500K wholelife, standalone MC, premium is ~RM350 per year.

Questions I have:
1. We're required to fill in medical history of family members. My mum demised few years ago due to cancer (leukemia). Will I be rejected or imposed any loading due to this when applying for the products mentioned?

2. Mutual Life Plus 2 from Public Mutual seems a very good deal to me, generally higher protection and lower premium compared to ILP or regular products. Any risk/disadvantage that I'm not aware of?

3. Allianz EB MediShield Plus mentioned about guaranteed renewal up to age 80. I read from the forum that there are usually 2 years observing period before the policy is guranteed renewal, is this correct? Meaning if we only make claims after 2 years, then the Insurer (Allianz) will have the obligation to continue renew the policy until age 80, provided the premium is continuosly paid on time.

4. Any risk if we go for standalone medical card instead of medical card attached to ILP or regular life insurance policy?

Hi Ronnie,

Thanks for the information, I like your professionalism, most of the agents I have talked to always recommend their own company plan without taking consideration of my requirements

For question #4, would you mind to list down some differences between standalone MC and those attached to ILP or regular policy? I'm not entirely reject ILP or regular policy, it just that i will need to know more about the differences before i commit to it. As i mentioned in earlier post, I already have some policy, and would like to seek best top up benefits.

Thanks for your time.