Yes. Cash value for no matter which ILP from any insurance company will become 0 in the end. If the sustainability is high, that means the price hike will only come at 80 years old instead of 60 years old. Which is why cheaper insurance doesn't necessarily mean a good thing for the client. The client will have to pay for the difference in the end.

The cheapest standalone medical card for 70 years old, with 90k annual limit and no lifetime limit, is RM5k per year. For the next 5 years, it would be RM7.5k per year. And for the subsequent 5 years, it would be 11k per year. So this is how standalone medical card works without ILP. You can do the maths if the person continues to live.

This is why insurance is something a person must buy whenever is able to at the youngest age (Only applies to ILP due to compound interest in cash value).
It's true that GE doesn't have a family package. I believe the rationale behind this is that different people have different needs at different life stages. Some prefer to get more protection, some less.

Based on the AXA eMedic fact sheet, I think it's a great standalone medical card for its price. However, looking at the inflation rate in medical industry which is more than 10% every year, RM100k/year is not going to be sufficient for serious illnesses. GE can do the very same standalone card for less than RM100 per month for an individual but with 1.2 mil annual limit and no lifetime limit.

As for the inadequacy of a standalone medical card, I would say that it doesn't come with any life/TPD/CI coverage. If you happened to die in an accident, or you managed stay healthy up to old age without having the need to visit a hospital, the premium you paid for standalone medical card is wasted. At least with ILP, you are getting your sum assured back if you get CI or you can pass the money to your next of kin if you pass away.
I am just trying to explain, considering the number of misconceptions about insurance in this thread.

For the performance of unit trust, it's dependent on the type of unit trust. If the client cannot accept high risk with volatile returns, I would advise to go for a fixed income fund which is the most stable of all.

Yes, ILP will become 0 in the end to prevent the premium from increasing a few thousand RM every 5 years like the illustration above about standalone medical card. Because it is investment-based, it comes with flexibility that you can choose to withdraw some of the money if you have any emergency needs but for standalone, you must continue to pay whether you like it or not.
I have read the AXA eMedic fact sheet. The 49 years old refers to the age limit who can buy this policy. Any older than 49 will have to opt for other policies. AXA eMedic covers up to 80 years old only.