Some insurance agent before 6 years...already quit the industry or change to another insurance company..let's say quit/changed on 3rd year....and you get referred to someone else..I assume the new guy don't get.the remaining of the commission, so face black black as they are they doing charity servicing you...

My assumptions true?

So who will take the remain 4th to 6th year commission? No one but still being "charged" in the policy?

Not the same insurance company as yours.
I received a letter from Gxxxx insurance company recently, that notify my medical insurance is going to increase a couple of hundreds next year. 

i believe ur letter and mine probably the same, but i suggest u also go 1 round allianz and ask them calculate,

and note on the faq section that, if u opt not to increase the premium, your policy sustainability may have problem.
for my plan, every year my premium add into some 'rider', and it keep decrease until nex year i pay again, if i dont pay the require amount, it will not have enough amount to support and hence the policy eventually will gone in some times.

That’s why I hate ILP because the contract never address medical cost increase.
My friend who is an actuarial scientist for an insurance company says they only can assume 15% cost increase for the first 3-6 years, and from there they work out the premium charge. Which mean they are assuming zero increase from 6th year onwards, which is not going to happen.
But what’s certain is that the projection schedule that your lovely insurance agent shows you is fundamentally flawed and does take into consideration of a massive medical cost review.

The selling point of buy young to be safe is completely flawed.

That’s why I hate ILP because the contract never address medical cost increase.

I received the same letter as well. From my understanding, it is not forcing you to increase your premium. They are "recommending" you to increase your premium (but you need to sign a form and return it to them). If you do not opt for the increase in premium, your existing policy will still be in-force. The only benefit if you choose to increase your premium, then you will get higher annual coverage and total coverage. I believe if you policy is the same as mine, then the coverage age will be increased from the current 80 to 100.

You can read from the comparison table that they are merely "recommending" you to opt for the increased premium. Not forcing.

I got a standalone medical card from zu****
Got a letter from them stated they are  going to increase the premium around 60% starting next year

Damn..
So high increase...
Yours old plan?

Standalone medical card also will suddenly increase price due to medical cost increase right? Correct me if I am wrong.

this is my 2nd year 
before this i got old plan with other company...terminate it bcos of low coverage
no regret also

huh..
second year increase so high...
did u underdeclare anything previously to them  

Nope..the increase affected all customers
I have consulted my agent...and she confirmed this
Now i need to change my policy again haha

A couple of hundreds? OMG! That is a hell of an increase!
Is this the first time your premium is increased by them? How many years have you held this policy?
:

I have been paying the premium for nothing as I don't use the medical anyways.
This is so true. What is the point of buying early when we have low risk?
Wait until high risk age baru buy more worth it, save on all thee increments

I got a standalone medical card from zu****
Got a letter from them stated they are  going to increase the premium around 60% starting next year

Standalone medical card
1 possibility:-
1. jump into the new age bracket
40-45=XX
46-50=XX

from 45 to 46 can lead to 60% increase

it is not because of age
i have the premium table with me bro

I am with HLA and they increased twice in the last 4 years by 20% each time (if my mind recalls correctly). But I take it as inflation, if you buy stuff in other currencies you'll know RM is bad at the moment.