Loke,
sorry, but please bear in mind that you are not allowed to claim the balance from another medical card. One claim can only be claim on one particular medical card.

bbjslee,
what was mentioned about the payor/waiver is actually a so-called cross-waiver thing. For you, in GE, it's called Payer Benefit Plus.

It should be done like this:
- Father (Payer), Mother (LA)
- Mother (Payer), Father (LA)
- Father (Payer), Son (LA)
** All proposals are done with Waiver Premium Plus as well.
I hope you get the idea of this. There are pros and cons of doing this.


For the medical card, there are no guaranteed premiums. Guaranteed Premiums is a term that usually agent will use to increase the attractive-ness of their sales, but bear in mind, the agent is making a big mistake by misleading, I'm not gonna discuss about the consequences, but I would like to clear of some misleading part here.

For Investment-Linked plan, policy fees and insurance charges are deducted from the investment funds, please do look back at your investment link statement from time to time on this. Which means, insurance charges do includes the Medical Card rider that have been attached in the plan. And so, medical card charges increases over years, but at the same time, your investment units that sold from time to time have been accumulated. Therefore, you won't see much risk having your premium to be increase BUT there are still chances that your premium would be increase.

These risk are that when unit funds value drops tremendously, and while your insurance charges is higher than your investment return, then you'll have to bear the differences.

FYI, ILP is not an actual savings plan. Agents always like to use the term 'savings', which sounds good, but in fact, it doesn't really apply. In year 2008, market drops, most companies projected their investment return is at 9% or 10% or some even higher. What comes true in 2008 are that majority funds are in negative value. So, please tell me, what's the savings here?

ooopsss.. sorry... yea.. you are right..

that would be up to you to decide....
I'm just a passer-by last night where I couldn't get into sleep late night.
Just some knowledge sharing of what's going on the market currently.

You can treat me as Agent, Advisor, Life Planner, Underwritter, Unit Manager, Group Manager, as you like.
I'm just here to share.

I do not wanted to disclose my identity to you because I don't want you to use a different when you do sharing and I read thru posts that you have made, almost all post, you keep telling people how your company performs. People are not blind or deaf, they know how thing goes on the market. I do not wanted to condemn anyone but please do understand that, we are here to share of what knowledge we have got, not showing off to others that how your company can do and what others cannot offer. The way you talk in forum, it's the kind of forummer that I won't really give respect to.

I am a very fair person, I will respect you if you respect others as well. If you can change your attitude abit in this forum, I can tell you, people will change their view on you as well.

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.

erm.. is this line for me?