for fire insurance and HPS alternatives. I represent AIA, so i could help show you the details and analyse the terms and conditions for you for AIA's policies.
generally, ppl like to compare products between different companies. but think in this way, it is such a competitive market and none of the companies will design a policy which has obvious flaw. so in the end is who explains the plan to you and how the agent explain it, isn't it? ^_^
