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@chretien22 Rider basically means it is like an extra mini policy that supplements the main policy. One of the primary benefits of ILP is that the coverage is very flexible and can be tailored accordingly to your needs. However, the drawback is that you need to really understand what you are...

@chretien22 The Med and MedBooster-I is your medical card. This is why you're paying RM325/mo. The Med is a considerably basic coverage plan which is why your agent added the booster as a rider. Given your age and coverage, the amount you're paying looks about right for an ILP.

@chretien22 This looks like an AIA policy. A coverage of RM52,000 for life is pathetic for the premiums you're paying. You need to check your policy and see what is covered. You might have other riders added on.