Whole life still got bro, it depends on clients needs and mostly age. For younger clients most agents prefer to give ILP because it has the flexibility to be upgraded (provided healthy).

For example if a single person who just started work just need a basic insurance with medical, he surely cannot afford to pay much. Also a single person does not have responsibility likeus parents has to a newborn child.

Giving a single person Rm1m cover is kind of ridiculous, unless he is rich and afford it. But if he is rich and can afford it, why does he need insurance, as he can afford to pay for whatever that comes to him? Fikir2kan

For whole life, it is not that easy to be upgraded as there is a lot of restrictions. For example the cash calue allocation will need to be resetted etc