I used to pay RM176 monthly for all in one plan (36 illness, life, PA, Medical) but lately I got the letter from prudential told me that the premium "have" to be increase till 190+ and give me additional of RM25000 (whole life medical coverage) and what is my rights here? When I buy the agent told me it fixed for life!!! unless the economy is really goes bad so I might need to top up, but in this case the economy still goes well. I don't want the so called "upgrade" and I never agreed on the upgrade, how comes they can silently increase like tat without my approval?