faking expensive premium price.

Remember this price is monthly payment.

Yes, that is the oldest form of term plan whereby the premium is based on 5 year age group.

Another type is called level term plan whereby the premium is fixed throughout the term of the plan, but for term with medical, the insurance charges is not guaranteed and may be revised.

The last time Prudential increase the price for its medical plan was in 1997, and even so the increase scheduled in 2014  is only add Rm 12 per month.

Just call me Roy. Well technically for Prudential if you were to get the policy in 2011 and we increase the price in 2014 for Rm12, you would also say why we increase so often (which is not true cos that traditional plan was since 1997 no increase).

I wonder if your policy is for Prudential

If I am not mistaken, that sales illustration you shown, they have not been any price increase since 2003. I won't be surprise price increase for many things scheduled next year and noticed some insurance company did increased their price during last few months. Some insurance company increase price by introducing new plan / package. This is the most common tactic they used.

faking expensive premium price.

Remember this price is monthly payment.