Hi. I am confused and don't understand why my agent say the Sum assured on my endowment plan is not my death coverage. it is used to calculate my bonuses. I dont rem that apply to my other endow plans

It can be considered death coverage.

but im guessing most pple do not buy endowment for the death coverage, but simply as a savings plan for short term goals. the death payout is simply an add-on benefit to make it an "insurance" product.

Sum assured is the basis for death benefits, which may add declared bonuses on top of sum assured.