Check on your chart that which year you are getting total premium paid = non guaranteed cash value (the lowest return). Then check on the cash value at that N year, ask yourself a question, is it worth it on that N year holding such plan down the road compare with the medical cost at 2013.

Try think a bigger picture. Most people out there is a big burden for them for personal insurance package as this cost you a lifetime period compare to house and vehicle loan. Whoever who is under employment, will have less saving due to monthly commitment and inflation.

If you wanta have financial freedom, 1st thing that can do is minimize your commitment and expenses, then you can go to saving and investment. When you try to achieve financial freedom, make sure your protection is sufficient enough not to jeopardize your saving. I don't know your financial background but I hope you can situated yourself in a better position rather than struggling to get yourself protected.

Actually with RM1,500/yr or less can get at least 7 times better protection than your existing one. Where is your point of value?

I won't recommend upgrade as it might end up you are paying minimum of rm200-rm300 per month for the so-so protection.

When come to insurance, do not think of your return. My personal view still the same, insurance is protection and not return. Never think of having a protection with return. This is the wrong concept of finance. I would say is a marketing stretegy which divert attention of you. Across my life, I never met anyone who is happy with ILP product up till today but vise versa. Of course this is strictly my personal view.

Before you make any decision, don't restricted yourself from some comments to explore more options out there. Try get more quotation from any insurance company out there regardless their company brand will help you have a bigger picture and understanding. Even there is some can assist you get free life/36/PA and medical protection.

If you decided to switch, make sure you only surrender after you receiving your protection and after the waiting period. Some provide 30 days waiting period and some 120 days.

If you don't understand or not so clear of what I am trying to say, do pm me for more clarification.