To all experience Sifu here,

I gotten offered by Citibank a *AIA ESSENTIAL LIFECARE, that is monthly around RM90. I was planning to review it when the policy come and to see want to really proceed or not. However, i think the policy never came, or lost, and i drag until like more than 6 months already on it.

So i wanted to cancel it for cost saving and use the fund to get a retirement scheme instead. What should i do and how to cancel it? usually is there a lock down period or anything?