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Message: <blockquote data-quote="ALBundy" data-source="post: 478524" data-attributes="member: 15">To me the most important thing is the agent that you will be using. Is he/she a part timer or a full time agent, or better still have his/her own agency. All insurance plans/tariffs (including takaful) are governed by Bank Negara and as such, most of them are similar, it all depends on how you want your plan to be structured and customised to your needs.  If you want to scratch your left ear, it doesnt matter if you use your right or left hand, albeit a little more work with your right hand <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" /></blockquote>