Thinking to upgrade / adjust this policy

PRULink Assurance Account
RM 160,000.00
-
Rider(s) / Rider(-rider)
Crisis Cover Benefit
RM 80,000.00
-
PRUDisability Provider Benefit
RM 20,000.00
-
PRUMed Benefit
3 Unit(s)
-
PRUPayor
RM 2,604.00 p.a.
-
PRUMajor Med Benefit
Plan 200
-


Any suggestion? Age 45