As an Allianz Agent, myself can't assured Allianz have the highest return, only reasonable good return.

Honestly, Insurance main purpose is for protection. I would said Allianz have one of the best medical plan at reasonable premium.

For age below 30, it can be as low as RM5 a day.

If you just looking at return, any Agent can promise anything, but those return are base on current market and not guarantee.

Already have medical and life policy, if really want some investment return, best option is go directly to unit trust.

Investment linked is very similar to unit trust + insurance combo only,

You already have "ala-carte" insurance already, why still look for combo?

Just like in McD, already bought a burger, why go for combo (burger + drink) 

I still cannot see the reason that if look for protection as primary intention, why must be investment linked then.

Investment linked insurance is not giving back your premium that paid for insurance.

See, as I mentioned previously, still many do not understand well investment linked.

In investment linked insurance, your premium actually goes to 2 portion, one to insurance, another one to investment.
The money you get back is from the investment part (if, as there is no guaranteed how much the return will be).

Investment linked doesn't mean your insurance part of premium stay forever the same.
Just because your investment linked premium is the same, doesn't means the money channel to insurance portion is the same!
The investment linked premium at the same amount because insurance company allocate the ratio between the premium to investment portion and insurance portion accordingly.

Eg.
investment linked premium 1000
When started time,
900 goes to investment, 100 goes to insurance coverage
when getting old
500 goes to investment, 500 goes to insurance
even older
100 goes to investment, 900 goes to insurance.