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 )