Understand what is insurance vs assurance

Also ask the agent to send u the whole disclosure sheet, I know for sure some agents will snap parts of here and there to hide the part of commission payout. We knew its a commissioned sales, just don't understand why they so sked and stupid

From there you can see the breakdown of charges.

And why investment link? I rather pay the fixed amount from month 1 till month xx when I die or policy mature rather than the term or standalone traditional type where it increases every year.

That is where the investment part covers and hedge the premium.

Just go read the quotation and disclosure sheet

Sbb tu ask for whole disclosure and quotation sheet sendiri baca.

Don't rely on the mouth and info from agent only.