"maybe" it is under the REDUCED PAID UP Option?

..... Upon Reduced Paid Up, the one time reduced paid up charge shall be deducted from the total fund value of Basic Unit Account to pay for the monthly policy fee and insurance charges of the Basic Plan for the outstanding tenure. Thereafter, the premium, insurance charge and monthly policy fee of the Basic Plan shall cease.

maybe he is suggesting this?

page 2
https://www.hla.com.my/CMS/CMSPages/GetFile...19-744629fb94b1

Thus,..."maybe, maybe" he is planning for you to do
the Basic Plan for 7 years....you pay premium for 7 years then no need to pay premium anymore as the plan had been opted to Reduce Paid up plan.

then on the 15 years...you cash out

Thus, pay premium for 7 years...get guaranteed bonus unit from 7th yrs till 15th years...then cash out from the plan
Guaranteed Bonus Units would be credited to your policy once in every policy year, commencing from the beginning of seventh (7th) policy year as in page 2