Hi guys and gals, lately i witnessed many investment linked and whole life plan being sold in the market and most of them mature when the policy holder age 85 and above. Since malaysian age of expentancy is till 75 years old which means that many of us wont live until the policy mature and wont be able to receive any maturity benefits together with other benefits attached with the policy.
Due to that reason i m considering in getting a term policy of 25 years but i am not sure whether i am making the right decision since majority are moving towards investment linked product/wholelife. Can any sifu (smile) comment? I m afraid that i will make a wrong decision....