To be honest though I tend to focus more on Takaful due to the target market. Looking at B40 markets with Anugerah+ and its MediProtect

In general, yes. The insurance contract for the protection itself is burnt-off. But there are products that are made to counter that, for example, the Investment-link-policy that have you pay more in the beginning when your cost-of-insurance is lower, then use the saved up money to cover in the later years when the COI has increased.

In general you can stop this policy at anytime and you will have some cash in the policy.

When a quotation is created the COI numbers will be created. But this figure can change in the future due to unaccounted higher than calculated inflation. Once you stop paying at age 65, if enough slack (extra premium) is paid during your younger years, you may be able to stop paying at 65 and the savings can cover the COI

This all depends on how the insurance is set up.

You buy medical cards as per all insurances. As a backup. While having a coverage all the way to 100 years is important, anything beyond that is just... unnecessary expenses. Nowadays, to increase sales, companies are pushing legacy insurance.

It means agents that are in the business only for a short while, they consider the insurance industry as just a part-time-job. In realities, it takes years to understand the intricacies of any industry, including insurance.