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- Always remember your premium due dates to avoid a policy lapse.
- Always insist on a receipt as proof of payment.
- Ensure your age is stated correctly in the proposal as the life insurance company will pay an amount equal to the insurance that the premium would have bought at the correct age.
- Review your insurance needs regularly for adequate cover.
- Keep your policy in a safe place until the life insurance policy money is received.
- Keep basic details of your policy such as the type of policy, policy number and names of nominees in a separate place.
- Always ask your life insurance company when in doubt of anything related to your life insurance policy.
~ Insurance Info
Be sure to buy from a licensed company through an authorized agent
Buying life insurance is essentially buying future financial security for your family. Licensed insurance companies are listed in Bank Negara Malaysia’s website or should you need to find out more, contact the Life Insurance Association of Malaysia (LIAM).
Shop around for rates
Seek premium quotes and proposal from more than one insurance company and compare them. Be sure to compare among similar policies as not all insurance policies have similar benefits.
Understand the scope of cover, terms and conditions of the policy
Make sure you understand all provisions such as the terms and conditions as well as exclusions in the policy and if necessary, ask for explanations from the insurance company. Be careful if you are told that bonuses or dividend scales are guaranteed as these depends on the performance of the fund in which your premiums are invested in.
Avoid unwanted additional coverage
Do not be pressured into buying “packaged” products that may contain fixed coverages that you don’t need. However, you may opt to add additional coverage or rider of your choice at additional premium which is better value for money.
Make sure the life policy recommended is right for you
Carefully study your agent’s recommendation and ask for a point-by-point explanation to make sure the policy suits you.
Always check the date the insurance becomes effective
The date the insurance goes into effect may be different from the date the company issues the policy. Be sure to ask your agent when the insurance becomes effective.
Fill in your application carefully
Never sign blank proposal or application forms. Ensure all information filled in your application is complete and correct to avoid delays or even denial of claims.
Make sure premiums are paid to your insurance company
Make sure your cheque or money order is made payable to the insurance company and not to your agent and insist for a receipt immediately as proof of payment.
Read your policy when you receive it
Life policies have a “free-look” period of 15 days from the date you receive it. Therefore, use this opportunity to make sure this is the right policy for you.
~ Insurance Info
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