what you're experiencing is normal.

If you don't follow the advise to top up then you'll just have to bear in mind that your insurance policy will end earlier than the original term.

hi chiayi91, maybe you can elaborate more on "review"? as in is the plan good or not? is the plan suit your needs or not? what your needs are for plans like this?
if just for savings, there are many better ways compared to Great Flexi Wealth. refer to Holocene's options.
hi frankzane, you check is the notification regarding "Policy Sustainability"? if yes, then for investment-linked policies bought before 2020 will receive notification as such possibly to request top up to make sure the policy cover to certain years.

You are paying for coverage. In the event that you require the use of the medical card as the TnC of your policy.

You can ignore the sustainability and hope that the market improves however you should also take into account of the increase of costs (if any) that is current factored into the policy sustainability statement provided.
Best,
Jiansheng

You're paying for the coverage & services rendered by the insurance company at the present?

Similar to any goods & services, they're subject to inflation overtime.

You can't expect your favorite chicken rice to cost the same over the next 20 years?
Putting "hope" is one thing.

With the medical inflation @ 12% - 15% per annum. Your "hope" will quickly turn into a nightmare if you think the top-up is not necessary. Do you think the return of "2% - 5%" per annum can overcome that inflation?



Then 10 years down the road, you would have looked back and said "Now I've wasted 10 years of that time, I have to pay even more for my premium to sustain the policy".

up to you on what you want to do with your money.