Any hong leong agent here?

For medishield rider III, it is stated that it is covered till the age of 100.

But can the premium up to 90 or 100 be calculated and guaranteed at the time of buying?

I was told that the HLA system only allows calculation up to the age of 80 and from 81 onwards the premium has to be re-assessed at that particular age.

Seems weird since PRU and Allianz both allow calculation up to 100 straight away.

Anyone knows if all allianz life insurance products are cash before cover? Means we need to pay before underwriter will underwrite the application?