– Traditional Policy vs Investment Linked Policy: Which one is suitable for you?
– The Mechanism of Investment-Linked Policies.
– Minimum Allocation Ratio (MAR): What is it and how it affects your policy?
– Latest announcements from BNM in regards to MAR and Balanced Scorecard.
– The Future Outlook of the Life Insurance Industry in Malaysia


    4 replies to "Recent Changes to an Investment-Linked Policy and How it Impacts You as a Policyholder"

    • MICHELLE

      Hi, KC Lau, in the webinar mention about the way to calculate of my insurance need, may you share or do a webinar regarding that?

    • MICHELLE

      The slide for premium of ILP and traditional is a bit confusing, as it was mention premium for traditional plan but insurance charges for ILP.

      Would like to clarify my doubt,
      Premium for traditional included: insurances expenses, direct distribution cost, insurance charges, policy fee
      Premium for ILP included : insurances expenses, direct distribution cost, insurance charges, policy fee, fund management fee, and NAV

      • KCLau

        For traditional plan, insurer don’t break down the items… so what you see is just the premium.
        For ILP, it is transparent and insurer break down everything so you can see it clearly in the statement.

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