Halo friend, from what i see your agent really taking care of you.

1st, for me 1 Million lifetime quite a risk for young people. Technology and medical fees keep on raising. Certain treatment is long terms process. Easily use up large amount from lifetime limit.

2nd, telling to keep the exiting and explain is a must. May be from phone whatsapp text can't elaborate clearly. Suggest you give a call and try meet your agent in future. I'm sure he/she can give further explaination.

What I can try .. give example. Your old medical plan inforce long time ago. new one inforce by MAY2020.
If one year later you got serious stomach issue and consult doctor, if doctor diagnose saying that your illness started at least 1 year ago .. in this case most likely your new medical plan can't cover you. Then your old medical will save you.

So .. ask your agent explain further

Usually we will advise user to keep exiting old medical card at least 6 months to 1 year depending their condition. Advise to keep more than 1 year if affordable and got significant illness record among family members. All this by own risk, agent can only explain and advise.

Ever wonder why your agent ask you surrender after 2 years and not anytime before that? your agents have indirectly asked you to buy a new policy, pay MORE premium, PAY her COMMISSION AGAIN and now you end up with 2 policies. the reason she asked you to surrender the old one after 2 years is because she will get to enjoy commission on PruWith You (PWY). if you surrender within 1 year, she will get nothing.

There is always one warning by insurance companies whereby insurance is meant for long term and switching is costly because of high initial cost. Based on this statement you really have to study whether do you really need this PWY or not.

your existing lifetime limit of 1 million is comparatively low in the market, but still more than enough. My own policy 120k per year, 720k per life, i haven't upgraded it yet but i'm planning to upgrade soon. However, if you do want to upgrade, you can upgrade. there are usually 2 options, upgrade existing or buy new policy.

Upgrade existing is cheaper, buy new policy is usually more expensive. but i do have to admit, sometimes there's a limit to how much you can upgrade in your existing but my point is, this probably wasn't presented to you by your agent and you buta-buta sign up new policy and getting weird comments like, then the old one no need to pay can only surrender after 2 years. of course you can surrender anytime 

Without knowing the details it will be hard to judge whether you need (choice of word is 'need' not should) paying for the old one but your agent has misled you by asking you buying a new one and simply asking you not to pay the old one. maybe she did the calculation but she was not transparent. your current policy is prulife or prulink one? how old is it?

hi darkueki, put it in another way, not to say its an offer. if you memang wanna get that new medical card PruMillion Med, then yea it is compulsory to get PruWith You. if you can afford to pay both, its okay too. in this case normally what i will do is, make the new plan to focus on medical, and the previous one an income protection plan.

yea darkueki, basically it's just how message is conveyed to you. the PruMillion Med is only attachable to PruWith You as far as i know. for case like this, how i will do it is make one plan that focus on life insurance for income protection planning and another one on medical card although both is ILP. OR upon getting that new policy, check is there any life insurance/critical illness payout amount for income protection that you wanna increase? if yes then top up the balance in the new policy together with the new medical plan.