The below is a detailed scanned presentation slides outlines the following aspects in mortgage loan application & approval: Classification of high risk occupationsHow Debt Service ratio (DSR) is computed,especially how financing
The loan calculators you obtained online (like iMoney or Loanstreet) will tell you the difference in total interest paid when you change the interest rate variable, say, from 4.40% to
A member, Darren Chow, asked if an endowment plan from GE, Great Premier Wealth (GPW) is better than FD 3% in 2016. The GPW Plan needs you to pay 6k
Prudential products are known for its premium prices, so when we hear that a PruValueMed can be bought at only RM 1,200 per year, I got to check out more. Turns
Allianz updated its Medisafe Xtra medical card as highlighted here before in 2015 – a few notches above its previous revision. Among the highlights: No lifetime limitWhat used to be lifetime limit now
This standalone medical card has 1 main feature unheard of in the market - a comprehensive annual health screening and cancer marker tests. And plus some other features as well
This is a medical case which I could share with you - a 3 y old child who had emergency admission into private hospital on a weekend. Reason was -
Back in July 2015, Allianz Life updated its flagship medical card - SEE HERE again if you cannot recall. What I didn't include then was a full presentation of the features
The story below comes from my FB timeline - a case relating to AIA Singapore. Click to enlarge.
The link below contains true story of a lady in her 20's having colon cancer, which is pretty uncommon as this condition normally affect males and normally not as young. Battle
While a million ringgit lifetime limit for a medical is logical for now and future, the same cannot be said for life insurance. You might or might not need it. Some
I always advocate an annual limit of RM 100k minimumly and a lifetime limit of RM 1 mil. Although very few customers questioned me on it, I can tell you
Allianz Medisafe (new) Medical card is getting more and more competitive nowadays.  Allianz, known for its rich features and low costs, revised its previously EUMCR card to Medisafe, with a few added
As mentioned previously, Prudential came out with a competitive new medical card in the market – PruValueMed. Here is the full 93 pages presentation on the product. Another feature to highlight is
Prudential came out with a competitive new medical card in the market - PruValueMed. Here are 2 major excellent features worth mentioning: Virtually no annual limit by designRe-term Lifetime limit to what
Allianz has long been the only player in the niche of deductible medical card - the "no-strings-attached" type. Previously, we have covered Great Eastern's deductible medical rider; provided a corresponding
If you are a parent, you care for the well-being of your child, especially before 3 years old - whereby frequent, unanticipated visits to the hospital is a common occurrence.
Summary of this video Upgrade existing medical card - worth it? What is the high Annual Limit & No Lifetime Limit as claimed? The Annual Limit is 10 times the Deductible Amount which
Summary of this video Note: this could happen to any insurance company, anytime! (below using Prudential memo as case study) What it means when a private hospital is under an insurer's panel list Can
Summary of this video What can you claim from a medical card aka H&S policy Conditions for the relevant documents to be eligible for claim The Hospital Admission process flow Guarantee Letter vs Reimbursement The
Summary of this video Improvement to Great Eastern's Smart Medic medical card product line The option to remove co-insurance and co-payment clause A deductible feature which "removes" the annual limit of the medic
Summary of this video Insurance claim & payout from insurer's perspective Type of insurance claims Process flow for insurance claims Claims outcomes - not every claim is the same! Major claim vs minor claim -
Summary of this video The pros and cons of a savings plan (aka endowment policy) How Savings Plans are structured - The protection part, the guaranteed surrender value part and non-guaranteed investment
Summary of this video What problems this may cause you in the future? What does it mean by separate outpatient lifetime limit for kidney condition and cancer? Which insurance company medic card has
Have you ever wondered why and how some people take advantage of their medical insurance to do full body health check at private hospitals? Aside from the ethics part, what
Have you ever wondered why some medical cards are easier to admit into certain private hospitals or claim compared to others? And why sometimes private hospitals still need to charge
Summary of this Recorded Webinar with KCLau.com The Big Difference between Standalone Medical card and Medical card rider The Risks of a Standalone Medical Card (how Medical card rider mitigate this risk) The
This is the exact loan packages offered by the asset management division of the insurance company as of Nov 2013 (click the image below for large view) How to properly use the
Summary of this Recorded Webinar with KCLau.com A General Perspective on the Needs of Medical Insurance Making it Clear Cut the Purpose of Medical Insurance vs Critical Illness coverage What is a Deductible
Summary of this video What are the "hidden" things to look before signing an investment linked policy? What is top up premium and policy sustainability; how these 2 aspects are related? What is
Summary of this video MRTA/MLTA Downfall - who's the beneficiary? How Banker can give you huge discount on MRTA premiums, at the expense of your family should you kick the bucket MLTA seems
Summary of this video How Premium Paid and Insurance Charges Move over the years What Happens when Insurance Charges > Annual Premium What is the probability your policy will lapse How to Mitigate this
Summary of this video How you are paying for redundant things in your policy... ...and how you save money and triple your protection by policy restructuring See me restructure a policy LIVE by
Summary of this video Quantify Critical Illness Coverage Understand the Hard Facts behind Medical Card Coverage Quantify Hospital & Surgical Policy Coverage
Summary of this video The 4 pillars of protection Why coverage is not equal to premiums paid Quantify death and TPD coverage
