HLA evergain plus? Mine was from 2015 as well, with reduced paid up option so I only had to pay premium for first 3 years. Signed up for the "lock in" feature last time.

You can sign on to their portal and see the surrender value, https://www.hla.com.my/CMS/HLA360/login/1.aspx probably you will keep it after seeing the surrender value

After login:
1. Select your evergain policy
2. Click on the 'Benefits/Fund Details' tab
3. Expand the 'Fund Value' section, you can see the fund your money went into along with the 'Total Units (a)' and 'Unit Price (b)'. 'Total Fund Value' is (a)*(b).

If you surrender now, I'm guessing the value you get is 'Guaranteed Cash Surrender Value for Basic & Rider' (under 'Policy Benefit Details' section) + 'Total Fund Value' (under 'Fund Value' section).

If you wait until maturity, your 'Total Fund Value' should be calculated from 'Min**' column value, from this page:
https://www.hla.com.my/CMS/Investment-Linke...tail.aspx?id=14

Maybe I'll confirm with my agent whether my understanding is correct over the weekend


Update, confirmed with agent:
i. Death/TPD: Sum Assured + Guaranteed Cash Surrender Value + Total Fund Value (calculated using Total Units x Current Unit Price)
ii. Maturity: Guaranteed Cash Surrender Value + Total Fund Value (calculated using Total Units x Max Locked In Unit Price)

This post has been edited by roarus: Jul 16 2018, 05:58 PM

Yes insurance backed investment.

Biggest pile of cr*p I've put my money into without knowing mechanism of how it worked last time.

Sure you can topup, I'm pretty sure they're happy to charge you sales fee as well for the topup.

Nett of charges, you're probably better off with the money in non promo FD upon maturity