need some help from agent here too. i also bad luck to have a very bad agent now want to change agent as well.

im 24 this year, non smoker, male, class 3 paying rm200 every month now

-plan to upgrade my PRUmajor med 4 150(cover untill 70 years old)

to pruhealth 150(cover untill age 80)
or
to pruhealth 100 (cover untill age80) + PRUmedic auto upgrade

wanted to know that how much that i need to add? and which one cheaper?or u have any better recommend?

-may i know what is weekly indemnity after ready my the policy feel like its dont do much feel like cancel it. Can i do that?

-recently brought a house rm500k so wanted to buy house loan insurance this agent quote me feel wired that how come the money that i can take back after 16 years for example the saving that i can take back will be getting lesser and lesser every year? Ask the agent he cant answer me? he said that because the premium will increase will i getting old that why after 16 years i get back less?? if like that at year 16 i better draw all the money out from the saving part right? keep inside there end up getting less money in the end. am i right? correct me if im wrong?

-if lets say i pass away at age 80 or 90 due to natural causes not because of 36ci or accident will my kids get the rm500k?

thanks