Comments on: Why you should first buy Investment-linked Insurance Policy

By: balance

balance — Wed, 09 Nov 2011 08:53:51 +0000

you should write about the pros and cons between investment link and traditional policies, not just the pros of investment link..

By: KCLau

KCLau — Sat, 03 Jul 2010 04:06:56 +0000

For traditional plan, the premium is also marked up for agents commission. Frankly, insurance agent would prefer the client to buy traditional plan because there will be less question asked and less service required overall.

By: Y@N

Y@N — Mon, 28 Jun 2010 00:59:43 +0000

The benefits stated above is of not much value:
1.Transparency – What is the most important things are the Sum Assured are stated clearly, and the amount of premium payable is transparant. For investment linked insurance, the premium is subject to revision anyway, unlike traditional plan whereby the premium is fixed.

2. Low insurance charge – Despite the insurance charged is low, the minimum premium to be paid is marked up, i.e. buyer have to pay more for agents commission and forced to invest in the funds.

3. Flexibility – People can always buy another traditional plan as and when required, as long as is healthy.

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