can I say something about this?

First thing first, the agent giving the piece of paper as u uploaded to show us is already a mistake. It can be terminated her code if u complaint to HLA HQ at pj city 0376501818. This is fxxking serious misleading issue.

Secondly, no doubt u all are very "kin yao" to calculate the return, ROI, irr, etc... But don't forget insurance is not investment. U just named it as insurance. That is no any above mentioned terms in insurance plan. But "surrender value" or cash value always the key of myth. (This is not ur fault, u will thinking in this way is because the presentation of the agent. And the material she give u. It's just a marketing tactic)

Insurance company can be insert fancy, fantastic, fabulous features. But end of the day. When u surrender the policy. Company will only pay u according to the surrender value. Of course it will be higher or lesser. It is depending to the performance of their invested fund.

When come to this. U can always have the alternative way to check where insurance company parking their fund. Which fund, what fund, through which assets management which channel. When u can do it yourself. Why u rely to the insurance company do it for u? And charge u a service fees, allocation fees, policy fees blablabla

U all at the previous 3 pages discussed about commodity, futures, options, stocks etc etc.. I believe u are alrdy expert to handle ur own money into market and speculate it.

If u want to diversify ur risk. U want a back up plan. Yes. U can go for this saving policy. If u still aggressive mode to Korek money. Go learn forex trading.

Remember insurance company origin business is to take care ur risk. Janji u will to pay the premium. They will take ur risk. But conclusion HLA prime wealth is a good saving plan among so many insurance company.

AiA have one more plan pay 5 years only. 3rd year break even. 5th year surrender alrdy making money. Pro rated like 3.++ % per annum. (Same to fd? But don't forgot the protection as well) banks FD don't give u protection. No agent approach this plan because commission is only 3.9%

What a joke

Think twice..
Spend wisely..

The agent must be feeling down. Some more raining heavily..
Susah nak cari Makan la..

Bro I don't point u.. I just sympathy the agent..
Luckily I quit n move on.

This post has been edited by Imleonardlim: Sep 8 2016, 04:40 PM