I had the exact same reaction when I compared agency vs. online plans, the price difference is wild. I went with an online takaful plan too (not Kaotim but similar) because I couldn’t justify the agency markup for something that doesn’t have savings or investment elements anyway. You’re spot on about what term life is meant for, and it really comes down to finding the lowest cost for the same outcome.

Also agree it’s strange that Prudential’s “Premier” version is cheaper than the regular PruTerm, I suspect it’s more about how they’re packaged and sold than any real difference in benefits. Maybe check if the “Premier” version has mandatory riders or commission structures baked in differently

EDIT: I posted twice by mistake*

This post has been edited by Paul13579: May 1 2025, 10:35 AM