oo.. okay .... I understand bro~

Takpelah... asalkan hidup bahagia
on the side note~ Just got approached by a HLA newbie agent today, selling also cash builder~

according to him, is so much better than FD invest 6 years only, and after 6 years I get back everything (principal + interest + dividend)... I was like WOW! got such a wonderful thing or not...

by rough calculation 100K/ year = 600K

if everything run smoothly by end of 6th year I should be getting... probably about 732K .... but then after I ask to show the plan... I was looking at 6th year cash value.. it was like 630K+ ... I was like WTF! where is my another 100K gone?

I ask the agent, "is it you gonna give me personally the balance 100K??"

correct me if I am wrong, when comes to pre mature withdrawal of insurance, we should refer to CASH VALUE at that particular year right?

in this case, this policy actually worth if I could hold till 30 years plus I get the bonus if the investment HLA made is performing.

Brother, if that agent ask u to invest 6 years, you got the right to fark him gao gao.
This kind of plan, is not for 6 years, 10 years.. Is for long long term, 20-30 years.

U want 6 years, better come with me and goreng share.. You can do 2hr profit 100k

I know... that's y I already shoot him gao gao + a little bit on behalf of those who had got cheated

p/s: at one point I really blame more on the senior who just telling all this newbies this is how you gonna tackle the client... I mean come on, you had more experience that those new joiner... at least pre-empt them on a simple thing like this... miss selling is definitely one of the biggest crime a financial sales person could commit

share really? recently my kawan made some money out of proton holdings~ haha... ish ish.. should had yum cha with him more then can reap some out myself

Yea.. Share very fast win, very fast die.. I know of a friend made tons in protons, and also lose tons in proton..