Forget about it. Use EPF instead.
A. Contribute RM3,600 per year indefinitely. By age 65 I would have contributed around RM150,000 but the plan's cash-out value would be around RM450,000. Will be higher if I let it sit longer.
EPF will give you 588,475.70 at 65 years old

B. Contribute RM12,000 per year for 20 years (total RM240,000). By my mid 40s I will stop contributing but the cash value continues to grow until whenever I close the account. By age 65 the cash-out value is around RM900,000, RM1.1mil at age 70.
EPF will give you 1,532,158.60 at 65 years old

C. Contribute RM15,000 per year for 20 years (total RM360,000). By my mid 40s I will stop contributing but the cash value continues to grow until age 55 where the account matures and closes. Cash-out value is around RM700,000
EPF will give you 1,915,198.22 at 65 years old

Assuming 6% return from EPF.