Hi sifus, I have an Prulink assurance plan with PMM3 annual limit 50k bought from my parents since I’m young. Now I’m 25, contacted the agent ask for upgrade my policy to latest PruWithYou with PRumillion med. The agent refused to help me either upgrade or surrender this policy then buy a new PruWithYou plan. The excuse from him is he will be in blacklisted if he do so. Is this the normal practise? He also said I can’t find another agent to help me to buy the PruWithYou too. So now I can only jump to another insurance company and surrender the old policy?