the common range is between 8%-15%.

Some say it is crazy to have such a rule, but across my clientele, that's the range (at least from the income that they declare to me lah)

What does your coverage look like? Mind showing me in pm?
(You can share it here too if you don't mind putting it up in public.)

Yea. adele123 is right.

You will hear a lot about ILP and Takaful in the market, which are pretty much the same thing in general, only real difference is that Takaful products are syariah compliant.

Now I know a lot of people here are against ILP, but compared to buying Life, PA, Med, and CI individually, getting all 4 incorporated in an ILP policy is actually quite affordable compared to buying all 4 individually. And over the long term, just like adele123 said, ILP can be a pretty good arrangement to have. But of course, if you do prefer going for UT and generally having a clear difference between your UT investments and insurance, it's not "wrong" either. Either way, it is all your money anyways.
Instead of taking the investment portion in ILP too seriously, just take it as building a fund to prevent your policies and coverage from being terminated during some tighter times. Otherwise, let it roll in the policy just like you would on a UT product.

At your earning power, maybe start with a basic medical plan and a PA, for reasons being to safeguard yourself while insurance companies have no reasons to deny or reject your application now while you are still perfectly healthy.
These two should cost you well within 1000/year. 

I would like to apply to be your agent and we can go through your finances and expenditure just so I can have an overall understanding of your financial situation. I am based in PJ, and I travel quite a bit from Balakong to KL to PJ and to Klang. In fact I will be heading to Klang tomorrow to pick up a medical record from Hospital Tengku Ampuan Rahimah. 

Yes...

but life company will bundle with life insurance... either lump together or the CI will be as a rider.

also would depend on whether it's early CI or the normal CI.

interesting question. the profit sharing part. well, supposedly there is this profit sharing in general takaful as well, i.e. your car insurance.

i'm not familiar, so bear with me.

based on what i know (and read) there will do whatever calculation, determine if there is surplus or not. i know another company (not etiqa) in their FAQ, they mention, they do give out if there is surplus. but if say the amount is less than RM10 per policy holder, it will be donated to a charity instead. or something like that. so it's NOT mandatory that there is an amount to be pay out to policy holder.

ALSO, i'm not even sure how the payout mechanism works. if they do pay out, do they give you a cheque, or just deduct next year's premium? but since out motor insurance profit margin is low, do they give out in the first place?

my understand is that the calculation of surplus and profit sharing should be based on your contribution amount. not exactly directly related to your NCB.

anyway... 45 to 55 is a good amount, much better than zero. (but then i don't know if you are driving a kancil or a mercedes )