goshh...i boought this via friend few years back...he said guaranteed can get double...

but now i check back only realise this...

from the prudential website: "The diagram above summarises the basic structure of the PRUcash double reward for a male non-smoker, age 35,..."

i bought this about 21 yrs old...now 4th yrs...and now i become a smoker...so how?wat means for this? please help!! ((