{"id":315,"date":"2024-01-16T17:03:10","date_gmt":"2024-01-16T09:03:10","guid":{"rendered":"https:\/\/blog.finnomalaysia.com\/?p=315"},"modified":"2024-01-16T17:06:43","modified_gmt":"2024-01-16T09:06:43","slug":"why-do-insurance-increase-in-price","status":"publish","type":"post","link":"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/16\/why-do-insurance-increase-in-price\/","title":{"rendered":"Why Do Insurance Increase In Price"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"315\" class=\"elementor elementor-315\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-489ed92c e-flex e-con-boxed e-con e-parent\" data-id=\"489ed92c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;container_type&quot;:&quot;flex&quot;,&quot;content_width&quot;:&quot;boxed&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5b280f49 e-con-full e-flex e-con e-child\" data-id=\"5b280f49\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4577069b elementor-widget elementor-widget-theme-site-title elementor-widget-heading\" data-id=\"4577069b\" data-element_type=\"widget\" data-widget_type=\"theme-site-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 06-12-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/blog.finnomalaysia.com\">FINNO Blog<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-564ca298 e-con-full e-flex e-con e-child\" data-id=\"564ca298\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6303aec2 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"6303aec2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjE1MCIsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Subscribe to newsletter<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d81cd42 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"1d81cd42\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finnomalaysia.com\/15-mins-consultation\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a consultation<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78b4197e e-flex e-con-boxed e-con e-parent\" data-id=\"78b4197e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;container_type&quot;:&quot;flex&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13117747 e-con-full e-flex e-con e-child\" data-id=\"13117747\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-876ae83 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"876ae83\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 06-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation-1024x576.jpg\" class=\"attachment-large size-large wp-image-316\" alt=\"\" srcset=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation-1024x576.jpg 1024w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation-300x169.jpg 300w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation-768x432.jpg 768w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation-1536x864.jpg 1536w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/inflation.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cbfafc8 elementor-widget elementor-widget-post-info\" data-id=\"6cbfafc8\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/blog.finnomalaysia.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\"><link rel=\"stylesheet\" href=\"https:\/\/blog.finnomalaysia.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-theme-elements.min.css\">\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-c8b4f5f elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t<a href=\"https:\/\/blog.finnomalaysia.com\/index.php\/author\/andrewyap-finno\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-user-circle\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 104c-53 0-96 43-96 96s43 96 96 96 96-43 96-96-43-96-96-96zm0 144c-26.5 0-48-21.5-48-48s21.5-48 48-48 48 21.5 48 48-21.5 48-48 48zm0-240C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm0 448c-49.7 0-95.1-18.3-130.1-48.4 14.9-23 40.4-38.6 69.6-39.5 20.8 6.4 40.6 9.6 60.5 9.6s39.7-3.1 60.5-9.6c29.2 1 54.7 16.5 69.6 39.5-35 30.1-80.4 48.4-130.1 48.4zm162.7-84.1c-24.4-31.4-62.1-51.9-105.1-51.9-10.2 0-26 9.6-57.6 9.6-31.5 0-47.4-9.6-57.6-9.6-42.9 0-80.6 20.5-105.1 51.9C61.9 339.2 48 299.2 48 256c0-110.3 89.7-200 200-200s200 89.7 200 200c0 43.2-13.9 83.2-37.3 115.9z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tAndrew Yap\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5430a49 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t<a href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/16\/\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\tJanuary 16, 2024\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f206ea1 elementor-widget elementor-widget-text-editor\" data-id=\"5f206ea1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 06-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>There are mainly <strong><span style=\"text-decoration: underline;\">two types of insurance<\/span> <\/strong>for protection.<\/p><p>Term insurance and investment-linked insurance.<\/p><p><span style=\"text-decoration: underline;\"><strong>Term insurance<\/strong><\/span> increase in price according to your age and the increment is already fixed in a table. You can find this \u201cincrement table\u201d in your policy book.<\/p><p><span style=\"text-decoration: underline;\"><strong>Investment linked<\/strong><\/span> does not increase in price according to your age. Like term insurance, the cost of insurance still increases according to the \u201cincrement table\u201d. However, you pay extra now and this amount will offset future increments.<\/p><p>Does that mean investment linked insurance does not increase in price?<\/p><p>No, investment linked insurance still increase in price, not by age, but by inflation. The industry term we use is <strong>\u201cmedical repricing\u201d<\/strong>. This increment is due to the claims exceeding the projected claims by the insurance company.<\/p><p>Hence everyone, has to pay more to<strong> maintain the pool of fund<\/strong>, so that in the future, customers can still claim from the medical card.<\/p><p><span style=\"text-decoration: underline;\"><strong>Term insurance<\/strong><\/span> is affected by medical repricing too. So instead of increasing it\u2019s price according to the table, now the whole \u201cincrement table\u201d increase in price.<\/p><p>So what can you do about it?<\/p><p><span style=\"text-decoration: underline;\"><strong>Upgrade your medical insurance<\/strong><\/span><\/p><p>If you are still healthy you can upgrade your medical insurance to the latest medical card. New medical card is priced according to the latest inflation status of Malaysia. Hence you will be getting higher benefits at a lower cost.<\/p><p><span style=\"text-decoration: underline;\"><strong>Change your plan to a deductible plan \/ co-payment (If available for your plan)<\/strong><\/span><\/p><p>This means you need to bear a part of your medical bill and the insurance company will not cover the whole medical bill. This means that your monthly premium will reduce as well.<\/p><p><strong><span style=\"text-decoration: underline;\">Use regular investment top-up<\/span><\/strong><\/p><p>Do understand that there are two types of premium paid to your policies, insurance premium and investment premium. Agents earn high commission from your insurance premium, so if you want your plan to have a reduced payment, you can top-up with investment premium that has a much lower commission compare to investment premium.<\/p><p><span style=\"text-decoration: underline;\"><strong>Medical repricing<\/strong><\/span> cannot be summarised in one post, we have merely scratched the surface. If you are facing medical repricing and you are not sure what to do, <strong>get a consultation with us<\/strong>. It is free.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-195e3c3c e-con-full e-flex e-con e-child\" data-id=\"195e3c3c\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;,&quot;container_type&quot;:&quot;flex&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-749bae67 elementor-grid-1 elementor-grid-tablet-1 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"749bae67\" data-element_type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;cards_columns_tablet&quot;:&quot;1&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/blog.finnomalaysia.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-39 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/elementor-39\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design-1024x576.jpg\" class=\"attachment-large size-large wp-image-50\" alt=\"\" srcset=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design-1024x576.jpg 1024w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design-300x169.jpg 300w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design-768x432.jpg 768w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design-1536x864.jpg 1536w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/Untitled-design.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Blog<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/elementor-39\/\" target=&quot;_blank&quot;>\n\t\t\t\tHealth Insurance in Malaysia\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Subscribe to newsletter Get a consultation If you are surveying for health insurance, this is the right piece of content for you.\u00a0There are two main coverage for health insurance in Malaysia. Medical card: The medical card pays for all the hospital bills when you get admitted. That includes paying for<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/elementor-39\/\" aria-label=\"Read more about Health Insurance in Malaysia\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tJanuary 15, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-88 post type-post status-publish format-standard has-post-thumbnail hentry category-blog\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/investment-linked-insurance-isnt-what-you-think-it-is\/\" tabindex=\"-1\" target=\"_blank\"><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money-1024x576.jpg\" class=\"attachment-large size-large wp-image-89\" alt=\"\" srcset=\"https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money-1024x576.jpg 1024w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money-300x169.jpg 300w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money-768x432.jpg 768w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money-1536x864.jpg 1536w, https:\/\/blog.finnomalaysia.com\/wp-content\/uploads\/2024\/01\/alien-money.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">Blog<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/investment-linked-insurance-isnt-what-you-think-it-is\/\" target=&quot;_blank&quot;>\n\t\t\t\tInvestment-linked Insurance Isn\u2019t What You Think It Is\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Subscribe to newsletter Get a consultation I have been paying for 10 years, where is my cash value? Most people think investment-linked is like a mutual fund that gives you investment returns that you can withdraw. Investment-linked insurance does not work that way. First of all, you need to understand<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/blog.finnomalaysia.com\/index.php\/2024\/01\/15\/investment-linked-insurance-isnt-what-you-think-it-is\/\" aria-label=\"Read more about Investment-linked Insurance Isn\u2019t What You Think It Is\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tJanuary 15, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f4d3d53 e-flex e-con-boxed e-con e-parent\" data-id=\"4f4d3d53\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;container_type&quot;:&quot;flex&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-499bae65 e-flex e-con-boxed e-con e-child\" data-id=\"499bae65\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;container_type&quot;:&quot;flex&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-46a3ebab e-flex e-con-boxed e-con e-child\" data-id=\"46a3ebab\" data-element_type=\"container\" data-settings=\"{&quot;container_type&quot;:&quot;flex&quot;,&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7657f093 elementor-widget elementor-widget-heading\" data-id=\"7657f093\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Policy Review Template<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68bb9d79 elementor-widget elementor-widget-heading\" data-id=\"68bb9d79\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Free template to help you get the most out of your insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7625401c elementor-widget elementor-widget-html\" data-id=\"7625401c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- Begin Sendinblue Form -->\n<!-- START - We recommend to place the below code in head tag of your website html  -->\n<style>\n  @font-face {\n    font-display: block;\n    font-family: Roboto;\n    src: url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/normal\/normal\/7529907e9eaf8ebb5220c5f9850e3811.woff2) format(\"woff2\"), url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/normal\/normal\/25c678feafdc175a70922a116c9be3e7.woff) format(\"woff\")\n  }\n\n  @font-face {\n    font-display: fallback;\n    font-family: Roboto;\n    font-weight: 600;\n    src: url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/medium\/normal\/6e9caeeafb1f3491be3e32744bc30440.woff2) format(\"woff2\"), url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/medium\/normal\/71501f0d8d5aa95960f6475d5487d4c2.woff) format(\"woff\")\n  }\n\n  @font-face {\n    font-display: fallback;\n    font-family: Roboto;\n    font-weight: 700;\n    src: url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/bold\/normal\/3ef7cf158f310cf752d5ad08cd0e7e60.woff2) format(\"woff2\"), url(https:\/\/assets.sendinblue.com\/font\/Roboto\/Latin\/bold\/normal\/ece3a1d82f18b60bcce0211725c476aa.woff) format(\"woff\")\n  }\n\n  #sib-container input:-ms-input-placeholder {\n    text-align: left;\n    font-family: \"Helvetica\", sans-serif;\n    color: #c0ccda;\n  }\n\n  #sib-container input::placeholder {\n    text-align: left;\n    font-family: \"Helvetica\", sans-serif;\n    color: #c0ccda;\n  }\n\n  #sib-container textarea::placeholder {\n    text-align: left;\n    font-family: \"Helvetica\", sans-serif;\n    color: #c0ccda;\n  }\n<\/style>\n<link rel=\"stylesheet\" href=\"https:\/\/sibforms.com\/forms\/end-form\/build\/sib-styles.css\">\n<!--  END - We recommend to place the above code in head tag of your website html -->\n\n<!-- START - We recommend to place the below code where you want the form in your website html  -->\n<div class=\"sib-form\" style=\"text-align: center;\n         background-color: #EFF2F7; 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All Rights Reserved<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Subscribe to newsletter Get a consultation There are mainly two types of insurance for protection. Term insurance and investment-linked insurance. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":316,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/posts\/315"}],"collection":[{"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/comments?post=315"}],"version-history":[{"count":4,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/posts\/315\/revisions"}],"predecessor-version":[{"id":320,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/posts\/315\/revisions\/320"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/media\/316"}],"wp:attachment":[{"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/media?parent=315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/categories?post=315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.finnomalaysia.com\/index.php\/wp-json\/wp\/v2\/tags?post=315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}