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Message: <blockquote data-quote="NKTOB" data-source="post: 478530" data-attributes="member: 2762">Agreed on the above.It's a matter of the agent one is dealing with. He or she must be experienced enough to not only advise but provide all the necessary information/services required by the client.It all boils down to where the 'agent' is coming (trained) from. If their managers are hell bent on achieving sales figures each month, then I bet they'll harp on their agents to become pushy on their prospects. Most of them fail to see this as a 'long term' commitment of work as they are more focused on bringing the dough in each month!Nowadays, we can easily find Registered Financial Planner (RFPs) from most of the ins companies. I bet they are more than qualified to deal with the financial planning issues than the street agents.Buy only what you need, and can afford. This is how I would like to be treated <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile    :)" loading="lazy" data-shortname=":)" />I believe all ins companies are the same, as it's govern by Bank Negara. It's the people who makes the difference.</blockquote>