Comments on: Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/ A Malaysian compiling Lots of tips and advices on personal financial planning - Protect, accumulate, preserve, and manage your WEALTH wisely! Thu, 16 Oct 2008 00:14:39 +0000 http://wordpress.org/?v=2.5 By: Reach For Magnificence Wealth Creation Carnival http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1660 Reach For Magnificence Wealth Creation Carnival Thu, 06 Sep 2007 18:00:51 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1660 [...] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money [...] […] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money […]

]]> By: Personal Finance Money Tips - August 25, 2007 | KCLau's Money Tips http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1391 Personal Finance Money Tips - August 25, 2007 | KCLau's Money Tips Sat, 25 Aug 2007 03:12:40 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1391 [...] invest in a capital protected fund?3. Learn about zero-coupon negotiable instruments of deposit.4. Replace your regular investment with the protection feature of investment-linked insurance.5. What can you do if your insurance [...] […] invest in a capital protected fund?3. Learn about zero-coupon negotiable instruments of deposit.4. Replace your regular investment with the protection feature of investment-linked insurance.5. What can you do if your insurance […]

]]> By: Debt Consolidation Lowdown » Blog Archive » Carnival of Debt Management #20 http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1185 Debt Consolidation Lowdown » Blog Archive » Carnival of Debt Management #20 Wed, 15 Aug 2007 17:45:00 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1185 [...] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips. Investment-linked plan (ILP) is probably the first life [...] […] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips. Investment-linked plan (ILP) is probably the first life […]

]]> By: RM35,000 Cheer for Widow | KCLau's Money Tips http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1164 RM35,000 Cheer for Widow | KCLau's Money Tips Wed, 15 Aug 2007 06:16:57 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1164 [...] best insurance tips:Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust5 Things You Can Do if Your Insurance Claim is RejectedWhen Should We Review Our Life Insurance [...] […] best insurance tips:Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust5 Things You Can Do if Your Insurance Claim is RejectedWhen Should We Review Our Life Insurance […]

]]> By: About Your Finances #2 - MyQuo.com http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1099 About Your Finances #2 - MyQuo.com Mon, 13 Aug 2007 13:19:54 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1099 [...] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money [...] […] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money […]

]]> By: Carnival of Money, Growth & Happiness #13 | Credit Card Lowdown http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1040 Carnival of Money, Growth & Happiness #13 | Credit Card Lowdown Sat, 11 Aug 2007 15:01:17 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1040 [...] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips. Investment-linked plan (ILP) is probably the first life [...] […] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips. Investment-linked plan (ILP) is probably the first life […]

]]> By: kclau http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1035 kclau Sat, 11 Aug 2007 02:37:16 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1035 Hi Anonymous, In the calculation shown above, the sum assured is RM2,000 which is equal to the premium paid per year. Insurance company won't allow you to insure with the rider more than the premium you paid. For example, your premium per year is RM3000. But you want them to replace your investment with RM10,000 every year when in crisis. That's not impossible. The waiver premium rider maximum sum assured is RM3,000 in this case. You can buy less but not more. The risk charge shown in Figure 2 is "per RM1000 sum assured", where the sum assured maximum equivalent to RM2000 only, which is also the premium payable. Hi Anonymous,
In the calculation shown above, the sum assured is RM2,000 which is equal to the premium paid per year. Insurance company won’t allow you to insure with the rider more than the premium you paid.

For example, your premium per year is RM3000. But you want them to replace your investment with RM10,000 every year when in crisis. That’s not impossible. The waiver premium rider maximum sum assured is RM3,000 in this case. You can buy less but not more.

The risk charge shown in Figure 2 is “per RM1000 sum assured”, where the sum assured maximum equivalent to RM2000 only, which is also the premium payable.

]]> By: Anonymous http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1034 Anonymous Sat, 11 Aug 2007 02:30:10 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1034 I hav a question... the risk charge shown in Figure 2 is "per rm1000 sum assured", while the calculation u make seems to be "per annual premium paid"... i dont understand this... I hav a question…

the risk charge shown in Figure 2 is “per rm1000 sum assured”,
while the calculation u make seems to be “per annual premium paid”…
i dont understand this…

]]> By: Real Estate Investment - August 11, 2007 « Vancouver Home Mortgage http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1032 Real Estate Investment - August 11, 2007 « Vancouver Home Mortgage Fri, 10 Aug 2007 23:08:21 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1032 [...] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips, saying, “Investment-linked plan (ILP) is probably the [...] […] presents Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust posted at KCLau’s Money Tips, saying, “Investment-linked plan (ILP) is probably the […]

]]> By: Is Capital Guaranteed Fund a Good Investment? http://kclau.com/insurance/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1022 Is Capital Guaranteed Fund a Good Investment? Fri, 10 Aug 2007 05:27:15 +0000 http://kclau.com/2007/08/07/investment-replacement-feature-in-investment-linked-policy-that-beat-unit-trust/#comment-1022 [...] related articles, which I think you shouldn’t miss: Investment replacement feature is not available in unit trust Bottom Up approach in unit trust investment Top-down approach in unit trust investment Unit trust [...] […] related articles, which I think you shouldn’t miss: Investment replacement feature is not available in unit trust Bottom Up approach in unit trust investment Top-down approach in unit trust investment Unit trust […]

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