how old are you?

so far my ilp premium no change for 20 yrs now

The agent told me I may cash out 20 to 30k should the return is good, but after now they email me I have to top up my monthly payment or downgrade my plan because the premium is increased.

It is a scam lah, in long run you have to keep on topping up your
Monthly premium every 5 or 10 years, it is totally bullshit that you can withdraw the cash

aia

my AIA insurance premium also never increase for almost 20 years (cover since 2007). But 100 years old coverage has been cut short to 70 years old unless I "top-up"

My mother's case the same, prudential promise coverage until 70 years old. But few week ago suddenly a love letter came stating "your insurance coverage will lapse next month unless you top up". She's just 67 with 3 more promised years to go 

It's not a scam....just a bad product....yhoytb for buying

As said above already, if you want insurance, then just buy insurance.

And the only 2 you need are term life and surgical/hospital....and make sure you can max your tax relief.

Forget even whole life ...if you die at 80 why need to give money to your children?