Other than the guaranteed portion, the rest of cash bonus or cash value is not guaranteed.
The projected figure is based on some historical data on their fund invested etc.

It is not guaranteed to be making a profit.
It can yield a loss as well for investment linked that invested in trust fund if market condition is not favourable, just like what is happening right now.

General insurance company do not provide life insurance coverage, only personal accidents.

Everyone wants it cheap. Everyone wants it good. Everyone wants it the best.

Sadly, there is no such equation. You buy cheap things you get low quality products. That's the fact.

What's most important is the plan suits you.

Which is why you seek a insurance agent to guide you and customize the plan to suit you.