Sy agency director etiqa. Meh sy tlg explain. Maybe la ye, dia tgh refer kepada 1 produk critical illness ni, mmg ini akan naik ikut umur. Etiqa ni byk produk n riders. N yg dia ckp medical card x naik tu, maybe investment linked, ni i assume. If u nk i help clarify, pm i ya. I see what it is about. 0186692294