This is investment portfolio policy, sort of like unit trust, premium based on units purchase.

Most importantly is your needs. You can consider the following before you choose the right plan (Premium charges will increase as age increase)

1) Does your company cover medical for you?
2) Do you have any policy to cover your life insurance?
3) You can even choose to have individual policies, which is medical, personal accidents, 36 critical illness or short term investment of 5years/10years/15years for retirement and old age plan

Do not look at premium, premium low with high coverage, or vice versa, you definitely ended get very low cash value return.

To introduce myself, I'm a GSM myself now in an insurance company and has been servicing my clients for 23years. You can always refer to me for assistance, do not hesitate to PM me.