Well, as said before, insurance and trust fund agents will only cheat and mislead to secure a business. If they tell you the facts, I'm willing go to Iraq and let IS militant to cut my head
But sadly to those agents that are cheating or misleading to earn a living, this can only happen in their dream  
Gambling in share market are better, either you win or lose. Every month I'm making rm300-400(not a greedy man) by making 2-3 calls to my remiser. No doubt I can do online trading that save me the broker fees a bit more, but I just want to have another friend that give me tips every now and then.

Well, I've reported before but no news. Since if they take action = take action against cronies.

Well, I put they take action you still will say is bullshit. As you are trying to deny the facts so that you and your cronies can make fast money by cheating.