Hi, any prudential agent here?

I got a quotation from an prudential agent about PRUvalue med just now.
I am thinking to get this plan for my father (49 yo/smoker/occupation class 3) with 20k deductible, board rate 100.

Life insurance: 20k (I don't need this, but the agent says must buy).
Premium: RM 160

According to the calculation given by the agent the plan can sustain until 76 yo, but i can top up if i want to extend the coverage.


Questions:
1. Is it correct that i must buy the life insurance to buy PRUvalue? I don't need this.
2. One thing i noticed is that the agent can adjust the premium, the only thing changed is how long the plan can last. Does it mean that i can pay a minimum amount initially, and top up accordingly as i got more money in the future?
3. Since i am buying the plan for my father, in which i will be the one paying. Am i eligible for tax relief?

Thanks a lot