hi Kaka23, what is the current payment frequency for your policy? usually it follows your current payment frequency, if you are paying yearly, then that amount should be a yearly topup, if half yearly, will be half-yearly top up and vice versa.

it really depends on how long you want your policy to last ("expected to last" will be more accurate). Some people probably think up to age 80 is enough. some will think, up to 100 is more comfortable.

Anyway, it's also just an estimate by the insurance company. but you might want to consider paying abit more, if not the full amount of what they suggest.

not sure the age of the person for the screenshot you shown but 11 years does seem abit on the "too soon" side though.

ic, whats your current premium? that a very big extra premium. it really depends. i myself have my policies until 80 years old, and some until 70 years old depending on the policy use case. so there is no right or wrong getting whether a 20 years term, up to 70/80/100 years old term and etc. find your objective of the insurance policy protection from there determine until what age you want the policy to cover you until. of course, the shorter term the lower the premium.