ask yourself what can 50k today do for you? how long can it last?

ask yourself what can 100k in 20 years do for you? do you think its enough factoring inflation in 20 years?

on any insurance policy, look away from the interest or dividends.

IMHO, your agent still half bucket full.

standard tactics for fishing of sales and Prudential is No.1, the rest are BS. Don't you guys get tired repeating the same old story?

No.1 & No.2, depending on your age, your agent may or may not be shot.

No.3 is definitely rubbish.

1) better returns in other instruments, henceforth you lose in terms of opportunity cost.
2) why lock your retirement money ? (insurance is very inflexible when it comes to withdrawing money)
3) can you survive on that measly sum of annual / bi-annual/ tri-annual cash coupon that the pay to you? (compare your current salary to it, your current salary dictate your lifestyle)
4) there is a cost involving the 57k coverage, therefore your 4800 'savings' is not 100% saved unlike in a bank.
5) the promised x% return is based on the sum assured, not on the money saved.
6) plans like these never match inflation.

its your retirement money, what's it doing with an insurance company?