I bought 1 prudential investment linked some.... 5 yrs ago.

And 2 yrs ago, my origin agent (a friend) quit, migrate and my policy was handled by another agent (from the same group)

I am not satisfied with the service provided. Used to call him up but he didn't pick up, neither bother to call back.

Last year I meet another friend, she joined a different group. Much more reliable (At least I know she picks up my call at midnight for coffee) so I don't worry I am hospitalized tomorrow but unable to reach my agent.

She has to sign a agent transfer form, as well as the commission transfer

As we all know, an agent earns 6 years commission from a client. The problem now is this agent wouldn't want to transfer. Yet I am dissatisfied with the service. I don't even get any diary or anything for 2010 paying lumsum for yearly

I can just keep paying as usual, but I do not want my friend to work for free. There is no win-win situation.

One more reason is because Prudential agents have very big 'office politics' got me so mad before (Got some issues before) I just wanted to cancel the whole policy, this is yet another politic that victimized the client I prefer matured agents from GE & MAA, at least they know Customer Service, But thinking of it, I've paid 4 years and it's just not worth it.

Any way to sort this out? Insurance line people?

yah...pardon me.....actually i should rephrase the sentences - not to discriminate the not so wealthy; n i felt that agents too r humans n they have their own lives....so, it is not right for a person to call the agents for no reason at wee hours; even at wee hours, should think whether it would be reasonable to call - or could it wait till the next day....

No worries, customers must therefore understand or find out the reason behind the agent who do not service them before judging anything. However, agents also should understand and put them in their customers' shoes as there must be an urgent or something serious that make them call you. They might already panic and need advices.

don't misunderstand...

1. i call up the agent because i wanted an appointment with him regarding my insurance status after buying for 2 years+. and i wanted to meet him (after i receive the letter from prudential that i have been assigned a new agent - he called me up before) -- this was LONG time ago, and i made that call multiple times at daylight

2. maybe he is busy prospecting at day time - fine, i call many (4-5) times on different days, and he never call me back. finally i call again and he pick up and we have a meeting. he had reexplained my status - but i still don't like how he did not pick my calls. i cleared my outstanding

3. but he did not meet my colleague which also buying from my 1st agent. so i called him up again. finally my colleague fed-up and transfer his agent to a girl (his own friend, also in prudential)

4. and so i learn & start to understand the complexity of this case because agents had explained how their commission goes. at the same time, i have been defamed due to my relationship with my friend (that time she was a rookie agent). It was all about payments. i wrote a letter of complaint of bad ethic. since then i started to know all the office politics inside. End up quareled with her MANAGER. pushed my complaints to LIAM & Pru, and I got a letter from Pru of Apology from HQ - fine, i forget the whole thing (But I was really pissed).

5. Since that I stop paying until the case is settled. At closing of YE2009, I noticed my outstanding. Call up my agent and I wanted to pay (1 year). Again the then forgotten commission issue was raised, so I told her I will hold the payment - I won't pay until I know the person who earns my commission give me service. Instead I told my friend to take over as my agent because she is reliable, as in: We can go for drinks anytime (as friends) and I knew she is there to pick up my call if I were to be hospitalized at midnight accident (as an agent!)

So if there is no win-win situation, why would she work for me? I wouldn't want her to work for free either. This is business

But time is short, I need to revive my policy urgently - but I don't want people working for free while the another earns my commission without even knowing that I exist as his customer.

I am not asking for free gifts but at least, they serve. I paid yearly RM900 for my car insurance I still get free bag, but life insurance worth RM3k a year, i wish for an umbrella since it's rainy season these days.. what do they call it.. sediakan payung sebelum hujan! And if I am hospitalized, I bet the 2nd agent will not know. Perhaps he's too busy prospecting and knowing he doesn't earn my commission, won't even bother to process my claim or sees me at the hospital. After all, car fuel = money. saliva = free. talk is cheap.

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Added on January 6, 2010, 12:02 amBack to the issue...

I called my close friend, He's with GE. And told me that when such case happen, the commission goes to 1st agent I/O (immediate officer) - which i believe is the manager?

Can someone clarify this?