Actually nothing much to complaint. Because u did receive the policy contract. And at the moment, u did cancel with the period for full refund. Just because of support your fren. Unless u got any prove. Else agent still will fight for their right. To me, I feel this plan is not bad la.. U may deeply consider about it. This type of plan is for long term. Include whatever saving. Unless those high risk investment or share.

To be fair, when one is satisfied, one wouldn't come to this forum and will forget about this forum. when one is angry and pissed, then one will visit to this forum.

all these plans, are LONG LONG term. if one is in the insurance plan say, for 25-30 years and maybe one's child is just less than 5 years old. maybe one can use this insurance 'savings' plan for the child's house downpayment or something. 
interest going up yes, but that doesn't mean their returns from this savings plan won't go up as well. to be fair to the insurance companies. they can manage investment well enough too.

i don't know if there are actual statistic but one should take ACTUAL returns for comparison. remember that what they show in the table is for illustration based on their projections. could be more (and also less) in reality.

You asked for minimum.. But the amount he given to you was actually not the minimum amount. And your fren should sell u the shortest plan with minimum amount since you're his/hers friend. At the view of mine, it is actually your friend trying to earn more commission from your plan that's why selling the 9 yrs plan to u. They earn higher commission compare between 6yrs and 9yrs plan. It was actually nothing wrong with the insurance company. It is the behavior and responsible for that agent. If u wish to make a complain, u should complain because the agent mis-selling as u ask for minimum premium. But not the insurance company.

bro, please don't type in all caps. It is rude. It is the equivalent of yelling..