Everyone needs medical insurance, but not everyone needs critical illness protection.
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Protect against the financial burdens of critical illness.
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What’s the purpose of life insurance? Do I need it if I’m young? Can I buy it when I’m old? How much coverage do I need? While you may have a life insurance policy, there is a possibility you are not making the most out of it and are underinsured.
We answer the most frequently asked questions when buying life insurance.
Life insurance is protection against the financial impact that a person’s family may experience in the event of that person’s passing OR a Total & Permanent Disability (TPD)
The amount called the payout can be used to cover:
TERM INSURANCE
WHOLE LIFE INSURANCE
Takaful is a type of protection plan which abides by Islamic or Shariah rules on finance. Members contribute money into a pooling system in order to guarantee each other against losses or damages incurred.
What affects my premium?
AGE
The younger you are when you purchase the life plan, the more affordable it will be
RISK OF OCCUPATION
High-risk occupations have a higher premium tied to it
HEALTH CONDITION
Certain factors such as smoking, BMI, etc will affect your eligibility and premium rates
TYPE OF POLICY
Your premiums will depend on the length of your policy term and the amount that you are covered for
References
https://www.nerdwallet.com/blog/insurance/how-much-life-insurance-do-i-need/
http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/
https://www.forbes.com/sites/lawrencelight/2013/04/29/how-much-life-insurance-do-i-need/
http://www.cnbc.com/2014/10/03/how-much-life-insurance-do-you-need.html
http://www.insureuonline.org/consumer_life_ten_tips.htm
http://malaysiandigest.com/news/600094-90-per-cent-of-life-insured-malaysians-under-insured-says-liam.html
https://www.imoney.my/articles/the-essentials-of-life-insurance-in-malaysia
http://www.investinganswers.com/financial-dictionary/tax-center/tax-deferred-2477
The above articles are intended for informational purposes only. AIA accepts no responsibility for loss which may arise from reliance on information contained in the articles.
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HPV is transmitted through sexual intercourse or genital skin-to-skin contact, which is why a condom itself is not an effective preventive measure.