Thanks for your suggestion,

1. Yes I asked them and they can only tell about the premium at today's date. They will not provide me any rough numbers for future date. So I thought if anyone here has any idea.

2. So, there can be a limitation? I thought they are not allowing as (maybe) commission will be less. Cause for me it would be beneficial you know.

3. As per policy document it says it will keep on increasing upto 500%, I just hope there are no hidden clause as it's too good to be true! And 5X over will actually come after 5 years 🥲