Recently got a letter from my insurance mentioning "If you do not take any futher action, your current policy coverage is projected to last for the next 8 years and 5 months only based on your current premium."
The revised premium is a whooping 80% increment.
Is this kind of thing only happens to Investment Link?

What would be the best choice if were to avoid premium revise from time to time?
To buy Life Insurance and Medical Insurance separately?

Is there any insurance plan that we can purchase and customize by urself?
Hate to deal with my current agent as she tends to push for expensive plan instead of what I want/need.