Salam...
Insurance bukan tengok semata2 product.... charge kena ushar juga,memang waktu awal cukup..
Nanti age band bertukar so premium naik mendadak... masa tu lah compony kasi alasan *****... minyak pon naik..
Sebenarnya already state in policy...
Almost payout deducting... it call rider deducting rider...
Sakit kekal claim... mati tolak balance.. masa tu waris dok harap wang pampasan... bila sampai pampasan kematian just only surrender value...
Ilp is the best plan in arena... so better stick to ilp consep... but ada compony to overcharge in charges....
That why ilp most compony kasi 3 years guarantee defisit still inforce...