Due to inflation the value of money depreciate year by year. If anyone invest in Tune Protect for more than 5 years without any profit should pull out from this stock, and Look for a great company (opportunity) to invest. Time is $$$$.

According to Malaysia population statistics (demographic), Malaysia is facing aging population, therefore no good for insurance industry....

Inflation also a threat to insurance industry.....

Insurance industry is no strange to fierce competition in term of price and service quality. Thus, it is difficult for a small capital company to compete with large cap. company.