Same here but mine increased by 25%. PruBSN Takaful.

its so funny, can cum k and rant but cant spend time to read the terms and conditions of a policy! you buy car also will understand the specs and price of the car first  what!. yawnzzzz

Yours likely an old plan which is a participanting plan which shares profit from insurance company every year
Nowadays all ILP in the market is non participating plan which don't share profit from insurance company every year and yet have to pay management fee to them every year which is much much more profitable to them compared to traditional plan like yours which has been discontinued from market

No I am not insurance agent. Poor and stupid tend to see only the pennies in their pocket so they die poor leaving their children also poor.

Boss, willing to adopt anak angkat or not?

I thought it was a joke. Now that I know you're serious, I'll give you a serious answer. Someone like you shouldn't procreate. That's all.