Citibank "Birthday Holiday" Program

Just received a call from Citibank for their so called birthday holiday program.

They have 4 package, the cheapest packages is RM115/month where you will be getting the following benefits.

1. Sum assured RM50k for Life, TPD & critical illness
2. Payment for 10 years only & no payment (RM115) on birthday month every day. This translate to 9 months saving.
3. From year 11 - 25th, you will be protected & no payment within this period.
4. Guaranteed 5% appreciation & payment return upon 25th years. In the event of policy surrender within Year 1-25, the policy will be lapsed and the surrender value will be calculated by percentage.

Do you think this is worth?