Hi, I am a 26 y/o non smoker male who is looking to top up my life insurance coverage for RM500k. I am currently comparing the ILPs between:

1. Prudential PruWealth Max
2. GreatEastern SmartProtect Legacy Max
3. AIA A-Life Wealth Care
(I approached Allianz as well but it's ILP - PremierLink Advance is not as feature-packed as the other 3)

All the ILPs are of 5 years premium payment term and sum assured 500k with waiver rider. The monthly premium for Pru and GE is the same @ 1109, while the monthly premium for AIA is ~1165. Pru and AIA coverage term is until ANB70 (auto extendable to ANB100), while GE is until ANB100.

Can I get some feedback on which ILP should I go for? Coz currently I am only with Pru (Prulife ready policy) so I am not sure how the other 2 insurers perform in terms of stability in investment returns as well as the smoothness of claim process.