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Message: <blockquote data-quote="astroboy" data-source="post: 478563" data-attributes="member: 4527">They are all the same.. the cheaper ones give u less coverage while the more expensive ones gives u more things.. all calculated already la. Risk premium calculation is pretty standard by locality.. In our case, they use the Malaysia National Mortality Rate. They can call their policy whatever name they want but its basically the same thing, participating or non participating, that's all.Try not to mix and aim for gain by getting the participating policy, this is after all life insurance and not an income instrument like mutual funds, FDs, bonds and the likes. Make sure the premium is within your means because pre-mature termination cause big loss.I'm license under AIA by the way, but don't contact me, I only service myself.... :wink:</blockquote>