It's a term coverage whereby the premium increases as you age. No investment value. If want long term lower cost ownership then get a investment link plan.

An investment link plan is whereby the money you contribute to the insurance policy is spent to pay off the cost of insurance and then the balance is used to purchase units in investment funds. Similar to unit trust.

E g you pay rm200 per month and you're age 20
Your cost of insurance for the policy is only rm50. The excess rm150 is spent to buy investment funds to get you returns for your future cost of insurance. E.g when you get older your cost of insurance increase due to higher risk to die or contract diseases.

As oppose to you buy uforlife and pay Rm50 per month. Sure it's cheaper now but you don't have any investment to pay off your increasing cost of insurance in the future. Which is why term policy is always cheaper at first but gets more expensive later on.