How to decide whether to terminate or continue?

(a) continue paying. X years later, how much will u get?

(b) stop now. take back RMx,xxx. Use the RMx,xxx and invest elsewhere. Use the money that u would be paying to Hong Leong had u not terminated the plan and invest. X years later, how much will u get?

If u not financial savvy, ask an accountant friend to calculate for u.

What is past is past, when making financial decisions, u consider only the future.

This post has been edited by Pink Spider: Sep 22 2014, 01:58 PM

For the benefit of TS, I PRESUME he/she missed my previous post.

YOU DON'T THINK ABOUT THE PAST, WHAT IS PAST IS PAST.

If u still wanna stubbornly think about "aiya, if I terminate now, I lose 30%++ of what I pay...can I complain to BNM and get back full?", I wish u good luck. At the beginning u kept the plan i.e. did not take up the grace period window to cancel the deal to "give face" to your friend, years later your friend quit HLA, u wanna get back your money on basis of u being "misled"? If I am BNM officer, I'll ask u go fly kite.

This post has been edited by Pink Spider: Sep 24 2014, 11:00 AM

Harsh but true

To be honest, I don't support TS and his story.

You only have 2 options, 1 only to be frank with you.
(1) Just surrender the plan and take back the surrender value
(2) Report to HLA and/or higher authority and claim mis-selling. But seriously speaking, YOU DON'T HAVE A CASE unless u cook up some grandfather story. To be fair to HLA, they'd most likely call up the (ex-)agent who is your friend to hear his/her side of the story. YOU HAD YOUR CHANCE TO REPORT/CANCEL the plan but you GAVE FACE to your friend and kept the plan.

Grow up, TS. And you don't deserve "help".

This post has been edited by Pink Spider: Oct 3 2014, 10:25 AM

Those bummers where will look at charges? They only see "I pay RMxxx for x years, after x years I get back RMxx,xxx"

Cheat u 1 time maybe u are unlucky
Cheat u 2nd time maybe u are REALLY unlucky
Cheat u 3rd time...what it means?

"EXPECT." Key word there. Did u read the policy T&C before u click "buy"?

We also have people who bought "cheap" PA and EXPECT it to pay out upon death under ANY circumstances lor

This post has been edited by Pink Spider: Jan 2 2016, 10:26 AM

People who have proper education, I expect u to behave like one.

U get what u buy.
U are entitled to what u signed up for.

U go to a restaurant and order charsiew rice, u get charsiew rice. If the charsiew rice fail to fill your tummy because u failed to grasp that u only get a large bowl of rice unless u ordered extra rice to go with that, that is your problem. U don't go scream on Facebook and complain to MCA Public apalanjiao bureau that the Kedai Nasi Ayam Tongsan tu penipu when u feel hungry within 2 hours of eating that plate of rice. Lu did not ask for extra rice, lu punya pasal.

U go marry a woman, she cannot conceive a child for u...MAYBE it's your sperm quality, maybe it's her eggs quality. Unless u sign a pre-nuptial agreement stating that u can divorce her with no strings-attached unless she can conceive, u cannot do anything about your wife. U GET WHAT U SIGNED UP FOR. If u did not read, it's your problem.

This post has been edited by Pink Spider: Jan 2 2016, 10:34 AM

1. Why u no take the case to higher authority?

2. PA is PERSONAL ACCIDENT. Accident means things like car accident, fall down stairs, kena rob etc, die in your sleep, death because of illness, or death after having sex with 3 prostitutes ARE NOT DEATH IN ACCIDENT.

See? U did not do your homework. I stop here.

We're in 21st century already (if u have the Black & White, u can fight virtually anything, anyone, u can even take over a country), and u are a student (i.e. learned person). Behave like one. Don't listen to and behave like those pasar malam loudspeakers.

This post has been edited by Pink Spider: Jan 2 2016, 10:42 AM

Key word - They SAY

Japs also SAY they were here to uplift East Asians lor
BN also SAY they dahulukan Rakyat lor
When u want a girl to open legs for u, u also SAY u love her only and forever lor