Hi, refering to PruHealth and PruValue plan, I see in the brochure the premium rate depends on age range.
So my question is, if I enter now and pay $XXX/month (under ILP), will the premium payable increase as I get older ? I mean increase because of age not because of inflation, GST and whatnot.

As I understand, the first few years, a percentage goes as commission to agent.
If I upgrade after those commission years are over (about 6 years?) , does it mean this process starts all over again?
Is that why agent keeps promoting us to upgrade? But it also means it's costly to upgrade since we have to pay commission again which could have gone to the savings/investment portion.
On the other hand, maybe this is a good reason to buy the best package in the beginning so no need to upgrade later?

if I have my own savings that is enough to cover the premiums, then EPB seems not so important.

so in this case for the sake of planning, I need to know whether the premium payable increase with my age (my question in the previous post) so I can project the required savings. then maybe it's better to save on the EPB rider premium and work out my own savings plan to cover for premiums after CI/TPD.

If I upgrade from Pruhealth to PruValue med, how does the commission go to the agent counted?
premium for PruHealth = $A
premium for PruValue = $B
So is the 60% (in first year) taken from the amount $B or $(B-A) ?
I ask this since it affects how much goes into the savings units. My ILP policy already more than 6 years.

And does the exclusion period start over again ? (What if something happens in the first 120 days after upgrade)