As far as I know, the son cannot use his credit card to pay for his mothers policy.

As a rule of thumb,
Parents insuring their children -  Okay.
Children insuring their parents -  Not okay.
Spouse insuring each other - Okay.
Boy/Girlfriend insuring each other - Not okay.
Company insuring employees - Okay
Colleagues insuring each other - Not okay.
etc.

No, the son cannot use his credit card to pay for his mothers policy.
No, the mother's policy owner cannot be the son.

What the son CAN do, is to up the monthly allowance to the mother. 
Buy flowers for the mother. <<< A very good thing to do.
Take her on a trip / cook a meal for her.

I didnt mean the sustainability on the high side. Is just that the premium is on the high side comparing to mrta... but mrta is pay lump sum park with the loan... the life insurance can pay monthly...

There are still "Participant" insurance policy around whereby those bonuses/Cash calue are given based on insurance company investment performance as a whole annually, instead for the like ILP which you invested a particular fund (that may result in negative return if the particular fund is not doing well).

Just because agent promotes more on ILP (that may due to better commission rate or better profitability to insurance company or else reason, which is another story), it doesn't mean other insurance products are not available.

In fact, traditional/conventional participant policy may pose lesser risk than ILP. As worst to worst, annual bonus/cash payout out become less or zero, while in ILP, investment in unit trust can yield you a loss.

just checking with you.......last week I had a brief encounter with my friend.....
he mentioned that his son was admitted to a hospital and had a surgery........
it was something like pancreas covering the liver (sort of like that).....
he mentioned that it was a "heaven born" (Chinese translation)...natural occurrence....
thus his insurance does not cover that "heaven born".....

is it true that natural occurance are not covered by insurances?

I see, as I am still at my teens, Would it be advisable to purchase, a PA plan, a medical card and critical illnless coverage with term insurance?

Centurial Plan 9 + Booster Plan 4 to get 1mil.

Yes 1mil per annum. No lifetime limit..

5k per annum at age 70.

Hi, Is Critical illness important?

A GE agent quoted me a Life Insurance with a rider for CI, which costs ~90 per month extra.
As far as I understand, CI only pays out when the illness is at advance stage, and for GE, CI is part of the Life's SA.
Isit worthwhile to pay RM90 extra per month just for that 'early payout'? As IMO, when your illness is at advance stage, the survival rate is also relatively low..