Walk up to their office

Well try to see if any non-servicing agent can help you on this

sorry to see that you had a bad experience, hopefully it did not affect your faith on insurance.

I think there is a misrepresentation here.

Investment does offer certain cash value but that cash value is used to hedge against the future cost of insurance so any early cash out will cause your insurance policy to lapse earlier than projected.

And again I have to say saving plan is for saving. Don't expect some kind of high return.

Let me copy paste what I posted in another thread

Think of the endowment or "saving plan" as an alternative towards
1. Tax rebate
2. You can nominate a person to inherit whereas FD can't
3. You're putting aside that money for retirement age / Children education
4. You've a chunk of money that you don't plan to utilize and would like to put it at a slightly above FD rate return and somewhere with not so high risk kind of investment.
5. You don't contribute to EPF and would like to put in some kind of "savings" as a form of retirement fund.

All the above is NOT APPLICABLE" if you:
1. Don't give a damn, figure too small
2. Don't give a damn
3. Think you have better investment out there and you know how to save
4. You don't give a damn about saving altogether
5. You don't give a damn about retirement altogether

If you have trouble understanding between definition of "Saving" and "Investment"
1. Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in, for example, a deposit account, a pension account, an investment fund, or as cash.[1] Saving also involves reducing expenditures, such as recurring costs. In terms of personal finance, saving generally specifies low-risk preservation of money, as in a deposit account, versus investment, wherein risk is higher; in economics more broadly, it refers to any income not used for immediate consumption. - https://en.wikipedia.org/wiki/Saving

2. To invest is to allocate money (or sometimes another resource, such as time) in the expectation of some benefit in the future.

In finance, the expected future benefit from investment is a return. The return may consist of capital gain and/or investment income, including dividends, interest, rental income etc.

Investment generally results in acquiring an asset, also called an investment. If the asset is available at a price worth investing, it is normally expected either to generate income, or to appreciate in value, so that it can be sold at a higher price (or both).

Investors generally expect higher returns from riskier investments. Financial assets range from low-risk, low-return investments, such as high-grade government bonds, to those with higher risk and higher expected commensurate reward, such as emerging markets stock investments. - https://en.wikipedia.org/wiki/Investment

Hi

You may refer to our fund performance inside this link

https://www.aia.com.my/en/our-products/inve...nked-funds.html