Need some advise,
Was chatting with a close friend who is using Prudential.
He took this PruSave Assurance With Profit plan back in 2003. His agent is also not with him and Mia.

I told him this does not look like a medical plan and it does not have details like my insurance, eg medical cards child care etc.

Basically I told him to call Prudential Customer care but I would like a general opinion before Prudential assigns another agent and messes his existing plan for some quick commission.

I helped him log into the online portal and luckily it's still active. He has been paying around rm175 since 2003 and his sum assured is send 60k. His surrender value is arnd 39k.

Few question for Prudential;
1. When it matures will he get his surrender value + sum assured or just sum assured or what is the calculation for this PruSave?

2. He is 42yrs old with high blood pressure. Can he upgrade his current Prudential Package to something that supports his future medical benefits or just attempt for a new medical insurance and leave his PruSave alone ? I have my insurance agent who is great but he does not know Prudential.

Any fair advise will be appreciated.