How to Buy Insurance？Lesson（1）-Are you cheat by insurance？

(If want to know how to buy guarantee renewal with free insurance coverage, can call 016-7646260 MR KOH or email zell3duck@gmail.com)

In Malaysia, I would always ask my friends: "Do you know what is insurance?" 

One of the Friends, John would always say: "I know ~ ~ Insurance is to protect the our health when things happen, it just like a Spare Tyre, but for my opinions,  a lot of insurance in Malaysia are all lies." 

I asked: "Why you said so?" 

John said: "Every time the premium has been increase and said this is quite benefit to myself protection, and always have these kind of "FREE" "UNLIMITED LIMIT" that can claim and get back in the end, but they always hide the terms and conditions in the end, one of my aunt is the innocent people that cheated by insurance agent, when accident happen wherever what CLAIM also don't have, and i felt quite angry that the insurance agent said the policy you signed cannot claim because of the policy didn't cover! " 

I said: "Why the agent does not tell you clearly about the policy terms and conditions and all the things?"

Friend said: "Who would know this to happen, I now feel willing to put money in the bank account, and i also got insurance already." 

I said: "But you know what kind of insurance actually you buy?" 

Friend said: "I do not know, my parents or my aunt asked me to sign then just sign, RM300 a month only, maybe can cover all the things, i lazy to know just trust my aunt only."

The above example has occurred, I find that modern people have hated the feeling of insurance, but they know have to buy their own insurance, for fear can not afford the medical bills, but they did not know what to buy their own insurance, and some did not AGENT make it clear that they directly sign, and made themselves and the client just like gambling on their health with don't know what they sign. 

a lot of people ten years later, his body condition (cancer diseases) or accidental death, the customer a lot of things CLAIM less than, or even do not know for insurance what is written in black and white in the end, they said clearly that the insurance staff that the results have not paid insurance, insurance personnel that they have rhetoric, then you know that the insurance is really a professional staff it? He has a one there to tell you something in black and white is no guarantee what is guaranteed? You have a clear sign that you anything? Everyone's a pretty good idea. 

And we often can in the newspaper and saw a lot of consumers by unscrupulous insurers, deception, they will first use of "unlimited compensation", "free" advertising to attract people to buy the words, but never imagined that their own buy After a very safe medical card, in fact, their physical health and the fundamental interests of insecurity, the real world inside, you guarantee that your insurance is really "insurance" it? 

In this blog, I would like the power of the network, not only invited prudential professional financial planner, Mr Kee to help you explain how to read and buy insurance by you own. I would upload some related article to teaches first timer to buy insurance people with picture uploads, to clearly see how to read your own policy or new policy to prevent being cheated so that they can personally control the investment policies of your situation, and this site is not only made for Malaysians, If you got any problem, can always leave a message and come look at the question of insurance in Chinese/Malay /English, thanks.