http://disqus.com/by/kellysue/enWed, 09 Jul 2008 21:03:59 -0000http://kclau.com/insurance/supreme-livin-care-plus-whole-life-living-assurance-policy-with-cash-bonus/#comment-850341<p>Hi KC,</p><p>Can my coverage for TPD be higher than death? For instance, can i buy RM1M death benefit and RM2M coverage for TPD?</p><p>by the way, are you an agent of GE? if i decide to buy, can i buy from you? </p>kellysueWed, 09 Jul 2008 21:03:59 -0000http://kclau.com/insurance/supreme-livin-care-plus-whole-life-living-assurance-policy-with-cash-bonus/#comment-841534<p>Hi KC, <br>i am looking to buy my first policy. Am interested on this product especially on the increasing sum assured. i got some questions regarding the buyback option below which i hope u can help me:-</p><p>Option to Buyback - in the event of life assured is diagnosed to be suffering from any one of the 36 illnesses covered (except Terminal Illness or Full-blown AIDS), the life assured shall be given the option to buyback the death benefit up to the maximum of the basic sum assured. It is commonly understood that when a person suffers from any of the 36 diseases, he will not be eligible for any new insurance protection. In other words, if you got cancer, you can’t buy any more insurance. However, the buyback options of SLC+ provides you a second chance to buy another policy that covers death only. When death occurs later, your beneficiaries can still claim the death benefit. In my understanding, SLC+ is the one and only plan in Malaysia that provides this advantage to policyholders.</p><p>1) is the option to buy back guaranteed? stated anywhere in black and white? i.e. in the policy? <br>2) the option to buy back the death benefit will be at the normal premium price or higher? <br>3) is GE the only insurer offering this option as of today?</p><p>thanks, <br>kelly =) </p>kellysueTue, 08 Jul 2008 23:12:25 -0000