1) yes, u can have the premium holiday, but not only for maximum 24mths, but once u wanna start to pay for the premium again, u needa pay back the total sum of the administraition fee if you wanna start paying the premium again.
2) sure you can, just as mentioned in 1), you can make the acct value to be the premium once you think the sum is sufficent to help you to pay for the premium afterwards
3) you can contact customer service dept and request for the change of agent or if you got any agent friend in Prudential, you can ask him/her to be your new agent
PS: May I know how poor the agent is? Why u wanna change the agent?
