which insurance company is the hardest to claim?

To me, basically there is no answer for this because you need to know what are the reason that the customers are unable to make their claim. There could be a lot of reasons we wouldn’t know. They could be just telling you their part of stories and not the full stories, you wouldn’t even know. From there, you start to assume this and that. What I can share with you is just disclose everything that you have know to the financial adviser during the point of signing the document to prevent this mishap. Hope this helps!

Last but not least, just look for a trusted financial adviser you are comfortable with, that would be the best.

Hi Benedict,

To add on, always read and understand the terms and conditions of the insurance policy carefully before signing. There is no rush about this. Identify any part of the documents that might cause problems in the future. Make sure your policy detail the coverage you’re getting. If you are unsure about something, ask the insurance agent or get a second opinion. Always shop around to get a feel for what’s being offered in the market.