There is a possibility that they will pay nothing or the minimum as you say it
There is also a possibility that they will pay as they projected
There is also another possibility that they will pay more than they projected

But if they have been paying lower that they projected always, don't you
think the insurance companies would have gone out of business long ago
as they have been proven to be inconsistent to their projections?

In Malaysia, Bank Negara controls the projections in the Sales Illustrations
where the premise is to "promise less, and deliver more"

If managed properly, you should be optimistic about your returns from your ILP plans

of course good ^^ Btw annuity for tax relief next year had been increase from 1,000 to 3,000, so it's good news outside for everyone.

The tax relief of rm3000 for annuity is for assessment year 2012?
Currently any financial products in the market that qualify as annuity?

Actually I don't know about this Annuity which seems very new

Prudential may be able to advise better
To give you an example on creating a retirement fund, see the enclosed image
(I made it as simple-to-understand as possible)

Monthly savings = RM100

Dividends you get from investment ( maybe unit trust using average per year, actual fluctuates) = 10%
Savings Years = 25yrs
RESULT if dividends on Retirement Fund is 10%

Monthly Income = RM575 forever
Retirement Fund lasts forever ( FOR YOUR NEXT OF KIN)

If you want double income, double your savings, or look for higher dividend investment

I agree. Actually all this quite meaningless. What matters is clients appetite for risk, investment horizon, insurance need and account management

Thanks for the positive feedback ^^