Was talking to an insurance friend about medical premium sustainability, both of us own a medical card from AIA and her insurance sustainability dropped from 78/77 all the way to 70 yrs old in just one year and mine dropped 2 yrs. Was wondering if you guys face the drastic dropped in your insurance sustainability recently?

Medical repricing is bound to happen over the years and sustainability of the policy will be reduced. This applies to both term and ILP

I'm sure you've received some notification letter from AIA to do necessary top ups to maintain the original terms of the policy otherwise you will have deemed to understand that your policy will end sooner than later.

Recent increase in cost of insurance will be from GE.

Halo friend,

Your case can happen to any ILP plan any companies.

ILP sustainable depending how your plan been design
Riders in your plan (this effecting COI)
Sum assured (same as above)
Funds choose (different performance & management charge)

And your condition of entry age. 

The earlier you start, with good return of fund performance will help reduce the drop.

My recommendation to prospect get the medical plan with sustainable over Age80. May be till Age 83-85
Some buffer for inflation