Should I Accept Prudential Offer?

My Prudential Insurance agent just knocked on my door just now telling me a good news. He told me that I was selected to accept an offer to...

My Prudential Insurance agent just knocked on my door just now telling me a good news. He told me that I was selected to accept an offer to increase my premium and protection. Well...I believe I am not the only one right? I was selected because I did not make any claim so that's why I was offered this so-called "good deal". My original insurance premium from Prudential is an all-in-one plan (aka investment-linked), so by adding RM50 to my premium (to become RM250), I will be enjoying the following benefits:

This is what my Insurance Agent had showed me.

Lifetime Limit: RM500ks to RM1.6 million.

Annual limit: RM50ks to RM80ks

Room & Board: RM100 to RM250

Co-insurance: 90% to 100% (Prudential will pay everything)

So what do you think folks? Is it really worth it-the RM50 increment? Of course half of the premium will be for investment. I am not really into insurance so that's why I don't know in detail about it.. Perhaps most of you have already been "upgraded"? I am really enticed to know that for RM250 per month my lifetime limit is increased to RM1.6 million. Is this a lot or all the other insurance companies are giving such benefits? And the co-insurance thingy! Wow...so if I upgrade I do not need to pay the usual 10% anymore? I am wondering if this is the current trends with all the insurance companies in Malaysia? Can someone please fill me in?

Tell me more about your Insurance policy....is it the same like mine?