Basically, Cash Builder is more suitable for people who are willing to save over a long period of time. This is closer to a saving plan rather than investment purposes. If you are looking for anything to profit in short term, I would suggest you look elsewhere. And honestly, if you're going to save, RM10K a year is something you should least commit.
You should also best consult on your sum assured giving yourself a comfortable zone to avoid future complications. On top of that, never go for monthly payment, pay yearly is the best option.
There are also more details and points which you should really understand and consult with a licensed agent. Take note that, different agents may provide different advises and information. Therefore, you should really make the right decision.
Lastly, never judge the final decision by people's word. See it for yourself as I've seen many statements made by different people are basically very misleading and false.