Hi all! Would like to ask, how do I decide how long should my insurance sustainability period be?
Most insurance agent that I talk to recommend a plan with sustainability until I am age 70, aka same premium until age 70. But I understand that the fixed premium is sustain frm cash value in the investment link product.. And may need to top up if the funds is finish..

Im only 24yrs old now. If I'm confident in doing my own investment, is it advisable for me to opt for maybe shorter sustainability ie until 50 yrs old, so that I pay lower premium, and use the extra amount for investment so that I can afford the higher premium when I extend my sustainability later on?

What are the cons of short sustainability period? If someone can elaborate?