but I think you misunderstand.

This is before my time, but it used to be that we get 100% of the 1-year premium paid, payable in 3 years. Now we get 125% of the 1-year premium payable in 6 years.

So now we have to service the clients for longer than 3 years, and there are possibilities that the clients will not continue with the plan for the 6 years, which means our commission would be cut short too

Nothing much we can do about any of this, we dont decide them

And you are right. DOn't buy insurance products if you want to make investments. They are just a combination of investment and insurances, with the insurance portion having a cost attached to it. If you are properly insured, you are just wasting your money by being over-insured.

#YOLO