Dah beli?

Just bot last month, don't know good or not, but price seem cheap compared to my current policy ..
Need to wait for 120 days in order to get the full coverage.

But the Kaotim quote goes till 66 only thats y its so cheap right? Unlikely to have payout and with no cash value.

With coverage just till 66 yrs old, .... can it be used in place of mlta / mrta for housing loan that ends at 70 yrs old ?

Added, ...
If one had been paying let's say RM3k pa for life insurance that covers assuming 1 million till 66 yrs old.
With life expectancy of 85/90, that is 20/25 yrs more.
3k X 20/25 yrs = RM60/75k payment
With this 60/75k investment that can reaps 1 million to be passed on as legacy, .....is it worthwhile to get one that covers till 85/90 instead of 66 as the chances of payout at 66 is much lesser than 85/90?

I think it is still worth it even if it costed another 100k investment.

If you do the maths as per post 7406, ...
I think they will make more profits with your yearly premium than the accumulated amount of premium collected over the years.

Ex. In post 7407...
1800 pa X 30 yrs = 54000
If die before 30 yrs gets 1 million

How long of a Term policy?
At each expiry of the contract, you'll be subject to underwriting again (should you want to renew lah).

Of course, everyone would like to grow old with good health, good family ties, good cheer, and a hefty pocket.
Just take a look around, is that really the case?

Forget the concepts, forget the marketing mumbojumbos.
Let's take a good look at the statistics, and then consider:

Now that I have the option to decide the outcome, is it worth the premiums?

I'm sure everyone here has their own concerns and circumstances.
And it is only natural that some here are more disciplined than others and/or have more time to keep track on when is which policy expiring, is it paid, etc.
So the cost on the cheapest of the cheap insurance coverages, is your time and attention to be on top of things.