I got a call from telemarketer who explain me details about this insurance, sound really interesting because they will refund back our montlhy premium 100% after maturity.. at first i was about 50/50 to register but i got an idea to entroll 1st because i know all insurance have their free look cancellation ( based on my experienced they will refund back our money once we not happy with the insurance even after the policies delivered to us but please bare in mind they will made deduction 1st b4 they sent it to you.. but not to worry u will get your money back if u not interested) it takes almost 1 month untill i get mine, the telemarketer said 'please read carefully' so i did... Then after thinking few days, i think it was a good decision to make bcz if i think logically i will not loss any money bcz they will refund back all the money i paid if nothing happen to me and if something happen during the tunure they will give protection in ( a lumpsum money) its good bcz u have your saving and insurance at one policy.. save your budget... And ha, the telemarketer is lil bit pushy but ya they do their jod, please la support them but the most importantly support your self la.. sediakan payung sblm hujan... This is my first insurance that i felt happy after i bought it bcz i know my money is waiting for me when i am older and retired ( now i have 3 insurans) ... This is my sincere review... I came up to this page after i am tired google'ing about this insurance plan... I hope this will help others.. tq