It'll be more advisable to speak to a proper consultant in regards to this matter.

Regards to refund, it's only doable if you've just receive your policy and you may free-look it for 15 days on the date of receiving your policy.

How much yearly interest they pay u?

Even is friend or close friend , they only wan sales and commision . Who cares when u die ..... Saving plan via insurance is always no to me... There are lot more way like FD to do a saving plan .

This bloody statement are darn true.
A very sad case for me on 31st Dec, my grandfather passed away. We do the normal funeral process where my late grandfather was kept at temple for 2 days. Most of my aunties do have some friends come, but not for my auntie that are super rich by selling trust funds. Only her manager came(also because need to know when she can back to work).
Insurance or trust fund agents won't have any friends

what i can't tolerate is that they try to mislead the potential investors by highlighting 8% p.a.

i received the call from HL for the last 5 years, i do not know how they get my contact as i do not have any insurance policy with HLA.

some party 'sharing' our data probably .
i received lots of these offer also

interest potential could be there... say 6%~8%. reason being y end up capital also susah mau ambil balik is because the charges and agent commission is much more than the interest. only after when the agent stop taking commission from your premium then only your savings start to build up. i myself cannot tolerate agents who sell like that. seriously possible to 'destroy' people's future funds.