hei ts, did u read what is the nature of the product ur mom bought 20 years ago?? wondering is there such product 20 years ago...

do u mind to tell the amount ur mom invest 20 years time ago?? if ur mom invest 10k 20 years ago and now paying back 18k i understand la... but if all the while ur mom got add on money to the acc then it is kinda impossible...

besides that, since u mention it is a link investment, i wondering did ur mom take some money out during the 20 years period??
did ur mom forget to pay the premium for the insurance for sometime??
during the whole 20 years, did ur mom claim insurance be4?

lastly, i wondering is it the investment product + the insurance = 60k.... some agent juz wan to reduce the confussion level and just skip alot while introducing all these products....

the factors above might influence the sum u get back... suggest u to ask the agent back....