A call to your servicing agent or direct line, perhaps? You should know that Malaysian corporate culture is 'No call, No urgent to respond'

Walk up to their office

Hv u tried what the agent suggested? Perhaps u can get faster response by doing that.

you may call customer care directly while waiting for the email reply.

here's their replied
Dear Mr Tan,

We apologise for the delay in our reply as we are currently experiencing sudden surge in the volume of emails. Some of our policyholders may encountered longer waiting time for their emails to be answered.

If you are the policy owner please try call +60 3 4259 8888 and the officer online will help you right away.

Sometimes I do notice the email takes a while for them to reply also. But call is definitely works much faster. If there is any change required, a hard copy with your signatures is a must. If your original servicing agent is no longer available and you're too far from walk in yourself to GE at Jalan Ampang, I believe Ge agency office is almost everywhere. Feel free to walk in and agents there must be happy to service you.

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

If you have paid for a long time please do not simply cancel it.  Wasted all what you have invested.  To get medical and life insurance at elder age would be much more expensive.

One gentle reminder.  Please call the center to check and confirm your address.  If your policy address stated the old address where you no longer stay there, the PIN would not reach you.  If you have more than 1 policy that registered with different address, please check which policy number you used to register e-connect.  That PIN would be sent to the address you registered with that policy no.

Sorry to hear that.  So far my clients and I have no such issue.  Wish you get your PIN soon then you should be able to view all your policies from e-connect.

Life insurance provides a lump sum cash to your family after your death. This amount (known as the death benefit) replaces your income and can help your family meet many important financial needs like funeral costs, immediate income replacement to support daily living expenses for your family. There will be some returns or savings but would not be much.

If you are looking for higher rebates I suggest you look into the savings (more guaranteed returns) plans or investment link products.

Flip to the last part of your policy.  The projected returns should be stated in the quotation attached to the original policy you have.  In fact at any point of time if you wish to withdraw money you can do that, just contact GE and fill forms.  The money will be credited to your bank.  In order to keep the policy inforce, do not withdraw alll but leave at least RM1,000 in the account to keep it going.

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