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[WTA]Uni.Asia Savings, please advice :S
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roystevenung
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May 29 2013, 09:32 PM
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In order to cancel any insurance plan, you need to bring your policy document to the insurance company yourself and ask for cancellation.
If the policy has only been bought and is within the cooling off period of 15 days (from the date you receive the policy), then you are entitled for a FULL REFUND.
However, if it has already passed the 15 days cooling off period, then it is only refund to you back the cash value after deducting the insurance charges.
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roystevenung
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May 29 2013, 11:32 PM
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QUOTE(Kennykok @ May 29 2013, 11:27 PM) Thank roystevenung , may I know I need go where to cancelled ? May I have uni asia location n address to canceled? I'm from kl . http://www.uniasialife.com.my/uniasia_life...head_office.phpUni.Asia Life Assurance Berhad, Bangunan Uni.Asia, 16, Jalan Tun Tan Siew Sin, 50050 Kuala Lumpur.P.O. Box 10845, 50726 Kuala Lumpur TEL: (03) 2687 2000 (General Line) TEL: (03) 2687 2020 (Customer Service) FAX: (03) 2026 6097 Email: customerservice@uniasialife.com.my
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roystevenung
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May 30 2013, 12:10 AM
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Call the phone number listed to inquire. Pay 25 years but how much will you get back upon maturity?
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roystevenung
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May 30 2013, 01:10 AM
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QUOTE(Kennykok @ May 30 2013, 12:32 AM) roystevenung u know speak Cantonese? Can I call u to ask ? Bcus my English not so good. Two chinese but spoke Malay ... so funny Pink Spiderwongmunkeong can please help Kennykok cause ayam banana Ok according to Kennykok, he met the girl selling magic stuffs, leng lui, not like me unker ... Then ask him out makan2, and in between talk about this uni asia plan. And ask for his IC and credit card just to see. She immediately take photo and email it to her friend and says to Kenny the plan is now effective. I know this is not possible as any insurance plan needs to be underwritten by underwriters. There is no such thing as immediate approve! He want to cancel the policy. Pink Spider, unker know you very helpful one. Please help him talk in cantonese?
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roystevenung
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May 30 2013, 08:27 AM
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QUOTE(Pink Spider @ May 30 2013, 07:19 AM)  This is overly aggressive and unethical selling. (1) There has to be a policy document. Wait for a few more days for the policy to reach u by snail mail. Or u can call that girl and ask nicely "eh, when will I get the policy ar? Excited about it nia..." (2) Call your bank. Ask them to reverse the transaction, tell them that it was not an authorised transaction. (3) Go to Uni.Asia HQ and get your policy cancelled. If the bla bla bla persuade u this persuade u that, don't bother. JUST INSIST CANCELLATION.  thanks brother. Totally unethical. He is literally being forced to sign and con to enter a contract.
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roystevenung
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May 30 2013, 03:14 PM
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QUOTE(Kennykok @ May 30 2013, 03:01 PM) thank all friend. i can Call my bank. Ask them to reverse the transaction, tell them that it was not an authorised transaction? Bcus Monday already auto debit the money, if I now call my bank to reverse the transaction , still can? Bcus already 2 day pass. No call= 0% Got call= 80% Tell the bank you only realize this today
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roystevenung
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May 30 2013, 03:48 PM
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QUOTE(Kennykok @ May 30 2013, 03:35 PM) Friend I already call my bank, she say can't reverse the transaction,bcus already two day pass. N if now already transaction to uni Asia. Now call to bank .Same cant reverse the transaction. she say need go uni Asia to do cancelation. Okay, good to know.
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roystevenung
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May 30 2013, 04:58 PM
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QUOTE(Pink Spider @ May 30 2013, 04:38 PM) Expected, bcos u did not call to cancel IMMEDIATELY. That's the thing I hate about friend/relative prospecting, u are too afraid to turn them down, esp if it's a SHE.  I think u can straightaway go Uni.Asia office to complain/cancel, no need wait. With name and IC number they should be able to call up your case file. He met her as she was selling magic stuffs in disguise to get prospects. YUNO pm him for the amoi phone no?
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roystevenung
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May 30 2013, 10:26 PM
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QUOTE(Pink Spider @ May 30 2013, 10:17 PM) Suspect she took picture of his signature as well According to him she took photo of the credit card and IC and email to her colleague for instant approval. And ask him to sign on the proposal form. Come on lar, how is it possible to even get the case approved without even sending in the proposal form? But leng lui punya pasal...
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roystevenung
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May 30 2013, 10:32 PM
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QUOTE(Pink Spider @ May 30 2013, 10:28 PM) Aiks, he signed a form? I missed that. Sure die lar...no one to blame but himself  So now he has to go to Uni Asia himself or wait till policy document arrived and exercise the 15 days cooling off period. Apparently he called the girl today and she still insist it is not insurance plan
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roystevenung
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May 30 2013, 10:33 PM
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QUOTE(Colaboy @ May 30 2013, 10:32 PM) nowdays can do e-submition via online, i guess her friend sign on behalf thats why can approve immediately anyway this method is not RIGHT!  Yes, but she did it the other way round. Proposal pun belum hantar already told him approved.
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roystevenung
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May 30 2013, 11:09 PM
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QUOTE(neyoyo @ May 30 2013, 10:48 PM) How about Allianz helpline? Last week I met a girl in bistro and she is really friendly. Then we eat dinner yesterday and she sell me the plan. Oh my..I can't reject her so I .. Now I see this thing... Should I continue? Did it suit what you want? If it does, then you should continue. But if you have no idea what you had bought then you better get a second opinion.
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roystevenung
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May 31 2013, 07:39 AM
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QUOTE(Roychin90 @ May 31 2013, 02:19 AM) Ya i received a call said from hong leong back, and tell me wanna intro me a FD with higher interest rate than in hong leong bank FD, and i was quite interested on that cos they said can get more than 10%, and after that the gal make an appointment v me and end up we having a dinner together. The agent is really quite lenglui and wear till vy sexy, and drive a bmw ! It so surprise me that time. And after d dinner she explain to me that and i realise that it was an insurance. And i straight away turned her up cos i ady got 2 saving plan. But she keep ask me help me sign and no doubt her look also quite inpress me la.. So end up i being " forced " to sign v her immediately bcos very hard to turned her up as we are guy. This thing happened ard 2 months ago.. I also feel vy regret.. So maybe consider some way to solve also. Do you have the FULL quote in PDF? We can help you calculate whether it is going to give you 10% or not.
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roystevenung
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Jun 2 2013, 09:00 PM
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QUOTE(Pink Spider @ Jun 2 2013, 08:24 PM) PDF or take jpeg picture of it and share with Roy I'm not sure if the policy document will even show the projected cash values for the so called savings plans.
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roystevenung
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Jun 2 2013, 10:40 PM
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QUOTE(Pink Spider @ Jun 2 2013, 09:31 PM) Some policies will include the projected cash values mar...depends on the insurance company...no? Yes, nowadays the proposal will be included in the policy, for Prudential policy at least.
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roystevenung
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Jun 9 2013, 09:55 PM
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QUOTE(lychee90 @ Jun 9 2013, 07:37 PM) OMG, everything begin to make sense now. I met this quite good-looking guy selling some magic stuff in Jusco Metro Prima. He was super nice, charming and friendly to talk to and we even exchanged numbers. He kept messaging me everyday, like a simple 'good morning', 'how are you?', like he was genuinely wanting to be friends. Until one day he asked me out for lunch. We talked like friends, about everything under the sky, about his family etc. Then he led me to talk about my income, do I save for rainy days etc. He then took out a pen and a paper and start talking to me about the UniAsia savings plan. Slowly I begin to realized that all his sob stories about his family financial situation, his personal financial difficulties were all sob stories to persuade me to start saving with the UniAsia savings plan. He was super persistant to get my IC and make me sign the plan. Even when I told him that I need to consider first before agreeing, he kept insisting that it's okay and I just need to give him my IC first. I even lied that I didn't have my credit card with me. Of course, just as persistent as he was, I was not one easily persuaded or swayed. In the end, I did not give him my IC or agreed. True enough, he stopped contacting me. I was lucky I trusted my instincts and stood my ground until the end. Oh yeah, he told me before this, he worked as a promoter for P1-Wimax. So everything sort of pieced together now. Thanks for sharing. Insurance should not be sold that way.
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roystevenung
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Jun 10 2013, 02:45 PM
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Well if any of you want to learn what is insurance, I will be at KL 11th till 14th June aka tomorrow.
Insurance is about protection, not investment.
But I am only available during afternoon sessions. The rest fully book liau.
Thanks
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roystevenung
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Jun 10 2013, 02:54 PM
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Is it bijak malaysia? Or do you at least know how much is th return? Having said that, like I mention, insurance is for protection, not savings.
You may email to me the full quote if you have. Then I can calculate for you based on what is in the quote.
My email is in my sig
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roystevenung
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Jul 4 2013, 07:13 PM
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QUOTE(Petro-Canada @ Jul 4 2013, 06:47 PM) finally i got back my money! cancellation within cooling off period... hew hew heww... :-P
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roystevenung
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Jul 4 2013, 10:09 PM
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QUOTE(Petro-Canada @ Jul 4 2013, 08:58 PM) unker roy, yes it is  ...but quite pain in the arse  ! for those who kena tangkap by lenglui or lengcai, pliz think rationally...  Its like that, the procedure is in place so that no one can simply surrender the policy. It is to protect the interest of the policy holder. Just imagine if the policy is with medical and anyone is allowed to surrender without the policy holder knowledge ....
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