Scam alert on this plan

Thank you, adele123.

HLA EverGain Plus has annual premium to be paid rite (like every year till the policy ends - i dont wan this kind of commitment)?

That friend is somehow considered best friend of mine so kinda hard to reject if he hard selling HLA product to me later. 

Once i meet my friend, i will come back and ask more heheheheeee......

I bought Evergreen 2035 for 2 years now. Based on the guaranteed price upon maturity, I still lose about 25% of my total investment.

According to the agent, I can choose to pay only for the first 3 years.
And before maturity, I can top up anytime and still get the guaranteed price upon maturity.

Meaning before this fund end, let's say the unit price is RM 1.00 and guaranteed price is RM 1.20. I can top up before it ends and enjoy the RM 1.20 guaranteed unit price.

I'm not sure how true is this. Anyone can confirm?

Anyway, I have a recording and whatsapp message with the agent as backup.
If it is not what he explained to me, I will need to ask for a full refund.

If I do not recall wrongly, the sales fee is 5%. So if the fixed buy back return can be >5% before maturity, we can make money out of it since HL Assurance will buy back at the fixed price (at the highest price during the term). This was informed by the agent last time and on the face of it, the logic is there and consistent with the terms in the policy.

But I could also miss out something that some forumers might aware but I do not know then we can share together here.

if get back the money in 7 yrs,...if MINUS the agent commission fees, the COI, etc, etc.....just wondering how much left? 

Ya lo, my wife said agent mention can get the money out after 7 year, just wonder how much?
May tinggal half only.
My wife pay 3k annually