really need life insurance?  

  RSS

(@harrypooter)
Active Member
Joined:7 months  ago
Posts: 7
01/08/2017 9:28 pm  

If no obligations or commitment, do really need life insurance? No old parent, no wive or kid. No debt. 


Richard liked
ReplyQuote
(@richard)
New Member
Joined:7 months  ago
Posts: 3
01/08/2017 9:37 pm  

No need for life insurance. Better save the money on a normal savings plan. Why pay for a life insurance plan if you do not have anyone to take care of. Check out the article that was published in the star last month. Took me some time to find it online. 327 million in RM are out there by people who bought life insurance, but nobody to take receive.  http://www.thestar.com.my/news/nation/2017/07/05/a-big-fortune-in-forgotten-cash-rm327mil-in-matured-insurance-policies-remain-unclaimed-says-group/.  

No need to buy, but if you really need to buy, put me as beneficiary lah. 

Edited: 7 months  ago

ReplyQuote
(@daniel-lee)
Active Member Agent
Joined:7 months  ago
Posts: 11
02/08/2017 4:49 pm  

Hi, I am an independent financial adviser that isn't tied to a single insurance companies.

If no obligation, you still need life insurance ie. permanent disability, critical illness and medical card. Not so much on death. Apart from life insurance, you may want to look into investment to preserve and grow your money for retirement.

Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688


Richard liked
ReplyQuote
(@nicolesim-lr)
New Member Agent
Joined:7 months  ago
Posts: 2
02/08/2017 5:13 pm  

Yes, You do need. 🙂 you need health insurance, Critical Illness coverage, and also grow your money for retirement. 
If you're a businessman, you will need more than just life insurance.


Richard liked
ReplyQuote
(@myeliteagency)
Trusted Member Agent
Joined:7 months  ago
Posts: 53
02/08/2017 8:51 pm  
Posted by: harrypooter

If no obligations or commitment, do really need life insurance? No old parent, no wive or kid. No debt. 

Hi Harry,

Yes, you do need. Consider disability and disability income to keep life going. 

You can have cheapest by term life comes with TPD or non par (some cash value, not participating bonus or dividend) life with TPD and better with critical illness attached. 

Hope you find it helpful.

Regards, Adeline


ReplyQuote
 Ken
(@ken)
New Member Agent
Joined:7 months  ago
Posts: 2
03/08/2017 11:59 pm  
Posted by: harrypooter

If no obligations or commitment, do really need life insurance? No old parent, no wive or kid. No debt. 

Yes Harry, it is advisable that you get yourself a life insurance. This is because life insurance not only cover death, but also cover TPD (Total and Permanent Disablement). But medical or health insurance should be your priority as they are more important IMO. 

I am a full time Allianz agent based in KL, contact me at 016-5485407 (whatsapp or direct callling) for a free quotation/ advise/ existing policies review.

Thanks


ReplyQuote
(@harrypooter)
Active Member
Joined:7 months  ago
Posts: 7
04/08/2017 10:43 am  
Posted by: DANIEL LEE

Hi, I am an independent financial adviser that isn't tied to a single insurance companies.

If no obligation, you still need life insurance ie. permanent disability, critical illness and medical card. Not so much on death. Apart from life insurance, you may want to look into investment to preserve and grow your money for retirement.

Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Thank you everyone for the replies. Appreciate. But ok i dun get it.

I mean I can still buy medical card, health insurance, critical illness seperately right? Friends are saying if want to invest better just invest someplace else with better return. 

btw so many good agents here i dun know who to choose anyway hahaa


ReplyQuote
(@syahidah-jamil)
Eminent Member Agent
Joined:7 months  ago
Posts: 24
07/08/2017 7:45 pm  
Posted by: harrypooter
Posted by: DANIEL LEE

Hi, I am an independent financial adviser that isn't tied to a single insurance companies.

If no obligation, you still need life insurance ie. permanent disability, critical illness and medical card. Not so much on death. Apart from life insurance, you may want to look into investment to preserve and grow your money for retirement.

Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Thank you everyone for the replies. Appreciate. But ok i dun get it.

I mean I can still buy medical card, health insurance, critical illness seperately right? Friends are saying if want to invest better just invest someplace else with better return. 

btw so many good agents here i dun know who to choose anyway hahaa

Yes, you can still buy separately for all those, no doubt. So many agents already pointed out the importance of life insurance. So I won't jump into that. But if you think that is not necessary to you at the moment, no one can force you to choose.

Anyway, I am here to suggest you the next good thing about insurance. Since we have a good investment-linked product, with a good record of performance with Eastpring Investment as our asset management company (you can look this up), I suggest you to consider invest with us for a good return. Not only that, you are still get to enjoy the cash savings inside the plan even though you were unable to continue to invest or should you have stopped the contribution due to critical illness, or disability (touch wood you won't have any). Who else is going to give us money if we're sick, right? Not to mention, to still protect us and our investment if we were unemployed. This only some of the beauty in insurance. There's more of it 😃

I'd be happy to show you more 😉

~Syahidah, Prudential Wealth Planner (+6010 293 5424 Whatsapp/sms/call)


harrypooter and Bala1977 liked
ReplyQuote
(@harrypooter)
Active Member
Joined:7 months  ago
Posts: 7
09/08/2017 10:16 pm  
Posted by: Syahidah
Posted by: harrypooter
Posted by: DANIEL LEE

Hi, I am an independent financial adviser that isn't tied to a single insurance companies.

If no obligation, you still need life insurance ie. permanent disability, critical illness and medical card. Not so much on death. Apart from life insurance, you may want to look into investment to preserve and grow your money for retirement.

Perhaps I can advise you better without any bias. Kindly feel free to contact me at 018 2610 688

Thank you everyone for the replies. Appreciate. But ok i dun get it.

I mean I can still buy medical card, health insurance, critical illness seperately right? Friends are saying if want to invest better just invest someplace else with better return. 

btw so many good agents here i dun know who to choose anyway hahaa

Yes, you can still buy separately for all those, no doubt. So many agents already pointed out the importance of life insurance. So I won't jump into that. But if you think that is not necessary to you at the moment, no one can force you to choose.

Anyway, I am here to suggest you the next good thing about insurance. Since we have a good investment-linked product, with a good record of performance with Eastpring Investment as our asset management company (you can look this up), I suggest you to consider invest with us for a good return. Not only that, you are still get to enjoy the cash savings inside the plan even though you were unable to continue to invest or should you have stopped the contribution due to critical illness, or disability (touch wood you won't have any). Who else is going to give us money if we're sick, right? Not to mention, to still protect us and our investment if we were unemployed. This only some of the beauty in insurance. There's more of it 😃

I'd be happy to show you more 😉

~Syahidah, Prudential Wealth Planner (+6010 293 5424 Whatsapp/sms/call)

Thks miss Shahidah.  I see your point. It's like easy everything under one plan right? 


ReplyQuote
(@nadia-muhamad)
Active Member
Joined:6 months  ago
Posts: 8
11/08/2017 10:56 pm  

I have one client,no obligation, no commitment but he decided to give the money to orphan house if he passed away. I can say he is very smart  😉


Ronnie liked
ReplyQuote
(@damiazara93)
New Member
Joined:2 weeks  ago
Posts: 1
07/02/2018 5:56 pm  

Life Insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson?
While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance.
like Pay Final Expenses, Cover Children’s Expenses, Replace the Spouse’s Income, Pay Off Debts, Buy a Business Partner’s Shares, Pay Off Estate Taxes etc
Get more information about life insurance: https://www.bbazaar.my/insurance/life-insurance.html

Edited: 2 weeks  ago

ReplyQuote
  
Working

Please Login or Register