investment link = life insurance?
so investment linked insurance is basically life insurance with some returns right? Sorry noob here.
Additional information, return in protection are used to absorb any increment in contribution as long as have enough fund so that, company won't issue increment in premium.
So that, your premium (may) not increase.
The increment affected by inflation, cost, and others variable that we as consumer may not able to calculate or handle the information.
So that, let the company do the decision, we as consumer take alert on our insurance/takaful plan whenever company release report to public. Stay alert to company Facebook, websites, or emel or sms received from company.
VMC Membership Takaful Advisor