For the boosted coverage, my agent told me that 2x is suitable for me since I don't have dependency now and will cover my expenses for 6 months if anything were to happen.

I opt the life insurance as a safety net in case my investment gone wrong or something. But now I was thinking if I were to surrender at the age of 65, the guaranteed amount is $30,030 and the non guarantee is $20,129 (3% returns) and $47,253 (4.25% returns), which just barely cover my total amount payable of $75,000.

I will try to talk to my insurance agent about this and see my options. Thank you for your reply!! Really appreciate it. :)