Are you really getting the right female insurance policy?

There is a product that will give females insurance against female related cancers, insurance against pregnancy complications, insurance for their newborn, and free money for different life events.

In fact, it's such a great policy that there have been other similar policies that have been created, making it hard to know if you really have the best policy.

In fact, we've done an in depth research to see all the differences in the policies. We got quotes for a 25 year old female for all of these policies. Here's how it looks. We've bolded all the parts you should be aware of (for better or worse)

Category The Best Product 2 Product 3 Product 4
Initial Death Benefit up to 100,000 same as the best same as the best same as the best
Initial Total and Permanent Disability Benefit up to 100,000 same as the best same as the best same as the best
Critical Illness up to 100,000 same as the best same as the best same as the best
When policy matures age 70 age 80 same as the best same as the best
Total and Permanent Disability covered until age 70 age 65 same as the best same as the best
Critical Illness Coverage Early Women Specified Illness
Women Specified Illness
same as the best same as the best same as the best
Female Related Illnesses Benefit Cancer of:
breast
cervix uteri
fallopian tube
ovary
uterus or vagina
vulva
Systemic Lupus Erythematosus With Severe Kidney Complications

100% of sum assured

Same coverage but payout is 100% or Basic Cash Value, whichever is higher same as the best same as the best
Early Critical Illness Female Carcinoma in situ in breast
cervix uteri
uterus
fallopian tube
vulva / vagina
ovary

50% & claimable once
(Power Reset shall reset the Female Illness Benefit to 100% of the Sum Assured of Basic Plan after 6 months from the diagnosis date of Female Carcinoma in situ)

same as the best same as the best same as the best
Recovery Benefit Osteoporotic Fracture
Rheumatoid Arthritis
Facial Reconstructive Surgery Due to Cancer or Accident
Skin Grafting Due to Burns or Due to Skin Cancer
Breast Lumpectomy or Mastectomy Due to Carcinoma-in-situ, Cancer or Accident
Breast Reconstructive Surgery Following a Mastectomy Due to Carcinoma-in-situ, Cancer or Accident
or Surgical Removal of Female Reproductive Organ Due to Carcinoma-in-situ, Cancer or Accident

30% of Basic Sum Assured per claim,max 2 claim in lifetime, can have 2 of the same event

same as best but limited to 1 claim per event

additional benefit of: Medical Complication due to Elective Cosmetic Surgery
Menopause Treatment
Psychotherapy Treatment

Lump sum payment of RM 5,000 & Claimable Once

same as the best same as the best
Life Change Benefit Marriage
childbirth
Buying a Property Benefit
Retirement (age 55)
Death of Spouse Benefit 3% of Basic Sum Assured

Up to 9% of Basic Sum Assured

If at age 55 still and didn't max out, get the remainder of the benefits

same as best but up to 12% of basic sum assured same as best but up to 12% of basic sum assured same as best but up to 12% of basic sum assured
Pregnancy Care Benefit Disseminated Intravascular Coagulation (DIC) (after 7 months of pregnancy)
Ectopic Pregnancy
Hydatidiform Mole
Eclampsia
Late Miscarriage (after 18th to 28th week of pregnancy)
Death of Child (within 30 days of birth)
Death of Foetus (after 28th week of pregnancy)

10% of Basic Sum Assured

same as the best but covers more
Molar Pregnancy
Abruptio Placentae
Amniotic Fluid Embolism
Acute Fatty Liver of Pregnancy (AFLP) during pregnancy
Placenta Increta / Percreta
no coverage same as the best
Baby Care Benefit Down Syndrome
Spina Bifida
Ventricular Septal Defect
Atrial Septal Defect
Cleft Lip and
or Palate
Tetralogy of Fallot
Transposition of Great Vessels
Patent Ductus Arteriosus

10% of Basic Sum Assured

no coverage no coverage same as the best
Money Back 100% of total premium paid excluding the additional premium charged for sub-standard life and taxes, if applicable, is payable upon maturity at age 70 150% of total death benefit, payable upon maturity at age 80 same as the best same as the best
Gift of Joy / Delivery Benefit Does not exist 1% for every approved medical card for the baby Does not exist 5% of sum insured
Snatch Theft Does not exist Does not exist RM500 RM500
Biennial Health Screening Does not exist Does not exist RM500 voucher claimable once every 2 years RM500 voucher claimable once every 2 years

So now that we have looked at the differences in benefits, let's talk about the premium for each of these policies and how the coverage of the death and TPD benefit grows.

Category The Best Product 2 Product 3 Product 4
Premium for a 25 year old female 2,063.52 2,579.76 2,986.00 3,676.00
Death & TPD Benefit after 10 years 100,000 100,000 100,000 100,000
Death & TPD Benefit after 20 years 100,000 100,000 100,000 110,280
Death & TPD Benefit after 30 years 100,000 100,000 134,370 165,420

What does that mean?

Even though the "best policy" isn't the best from every aspect, if you look at the premium, you can see that you are paying a huge premium for some benefits that, honestly, are not worth the additional cost.

So the question is, do you know which policy you're currently being presented? If not, we have partnered with a group of independent financial advisors who are willing to help you understand which policy is which. Of course, there's no cost associated with it.

Interested? Fill out the form below and they will contact you within the next 48hrs.

Get More Information About This Amazing Policy

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