Checking in with Malaysians who have experience upgrading their insurance package after the age of 40.

How much do you pay for your monthly insurance premium now? and did you choose the flat month rate until age 99 option?

I've recently been given 2 quotations from 2 different brands, both also have significant increase in amount for coverage up to age 99. Significant increase when i compare to my current premium which i bought 15 years ago and i'm still paying the same price until today.

Appreciate some insights, thanks!