which insurance company is good in hk now?

chic

Agnes or AIA or what?

If i wanna save money and have protect to my mum, which company which plan should I choose?

水晶晶

chic 發表於 2011-8-19 00:25

                               
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Agnes or AIA or what?

If i wanna save money and have protect to my mum, which company which plan sh ...

多謝發文,睇吓有冇行家答你先

on9chan

chic 發表於 2011-8-19 00:25

                               
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Agnes or AIA or what?

If i wanna save money and have protect to my mum, which company which plan sh ...

問題在於你份單有無位好嘅agent同你跟、當然其實間間公司都有唔同優惠plan、但我仍相信agent重要過公司囉！

石黑寵

鷹閣堡醒都唔錯！

水晶晶

石黑寵 發表於 2011-8-20 00:06

                               
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鷹閣堡醒都唔錯！

石仔同YEE版實啱key

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回應 chic 的帖子

Depends on the agent but I heard aia is good service.

文員

先了解自己的需要

再請教朋友的意見

先搵幾間做個poprposal

同埋搵個唔會成日轉公司的agent

kevin105

chic 發表於 2011-8-19 00:25

                               
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Agnes or AIA or what?

If i wanna save money and have protect to my mum, which company which plan sh ...

Manulife is good

感覺先決

晶版主 : 用家答唔答得呢 ?  heheee..
我覺得AIA唔錯....
agent我就覺得人夾人....都未必會跟你一世架啦....
最緊要D產品,條款岩自己.....

水晶晶

ta023025 發表於 2011-9-13 19:14

                               
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晶版主 : 用家答唔答得呢 ?  heheee..
我覺得AIA唔錯....
agent我就覺得人夾人....都未必會跟你一世架啦... ...

梗得啦,多謝你回應

藍天白雲

各位晚上好呀,其實講信譽,宏記,保記,A記都ok, 最重要有無個比較有良心的Agent同你揾個最fit 你的plan 出來,至於邊個Agent今後同你跟個Plan係其次,相信都無麽邊個Agent會做50年或以上,個plan 遲早要換Agent跟.

simonKwong

If I'm guessing correctly, what you want are two individual plans for you to save money and protection for your mum. In each case, there are different goals that you NEED to set before any decision can be made. For example, you said that you want to arrange protection for your mum then, what kind of protection? Against loss of life by accident? Against funeral expenses? Against medical expenses in case of critical illness? Or other aspect that I may not mentioned above.
In the case of saving money for yourself, you also need to know the goal. That is why you need to save money and how much you want to save and what will be the time period that you are expecting.
In short, you need to be specific.
There are many insurance company in HK and they are all under regulation by the government. These companies are constantly competing against one another, so it is really depends the agent that you will finally co-operate with, whom will know your needs and walk along with you to achieve your goals.
Good luck and happy shopping!

水晶晶

simonKwong 發表於 2011-9-27 15:04

                               
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If I'm guessing correctly, what you want are two individual plans for you to save money and protecti ...

多謝simon用心回應

双底衰退

Hi there, I am a registered insurance agent.  Forget about my company at this point bcos I am not sure if we can do this in the chatroom. Simon is right in pointing out that you have to know your NEED first.  Actually there is an immediate second important point -- budget.  Plans with savings tend to cost higher premium.  If you buy a savings plan at a low premium, the protection (insured amount) will be low and does not serve the purpose of giving real protection to your beloved.  Alternatively, you can consider buying a Term policy, or 2 policies.  As far as ratre is concerned, the insurance company will need more info from you, say age, health condition, etc.  It is not a simple quote.  If you are serious about this, I can explain to you face-to-face.  A professional agents is of course more important.  For instance, in your case, should add AD&D protection.  Whether you need other protections would demand further explanations.

水晶晶

双底衰退 發表於 2011-9-29 20:41

                               
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Hi there, I am a registered insurance agent.  Forget about my company at this point bcos I am not su ...

多謝双底衰退用心回應

surfdude888

Let me offer you my opinion as well.

Like everybody have said you need to figure what exactly you need: saving for your retirement/whatever goals is or protect your loved ones by leaving them some money after you passed away.

I am strictly talking about protecting the quality of life here and not against the odds of something terrible will happen.

If you are still long way to go till you retirement you may want to consider a term life plan plus another seperate ILAS plan.  The reason is that a term life is way cheaper than a regular life insurance (probably 90% cheaper). But it only insure you for a certain period of time of you life.  It works well for some because (1) the holder can use the difference of the two premium to invest in a higher yield investment vehicle which gives more return in a long run, and (2) one can still insure the same amount of death benefits.  The difference of premiums between term and life is essential the future value of what you r going to save.

If you need medical and what not then u need to buy a seperate health insurance policy and thats the only down side (three seperate policies).

ILAS is a investment linked policy which subject to the volatility of the market which is very different from a regular life insurance which gives you a certain percent of yield each year.  Yes it is more risky but it uses the theory of "dollar cost averaging" which is supposed to beneficial in the long run.  Plus it gives you different funds to choose from so it tailor to how much risk you can afford to take.  Also it can diversify your portfolio by choosing differnt types of funds (not to mention the fund itself is quite diversified within its domain), it maybe even safer than you investing in several stocks (it depends on your investing experience tho).

I just want to offer you something that hasnt been mentioned.  Pm me if anyone need more info.