read in a thread previously....telemarketers conversation with customers are recorded....if the customers feels he is billed for something that he did not agreed to buy....he can always seek back the money.....

they partner with Public Bank and Citibank to use their database to market to you guys.

It's not really a scam but you just don't understand what you've buying because the sales person will zoom through the TNC on the phone real quick / probably you don't understand what is the person saying.

As long as you said yes to all, then they will use the recorded audio as evidence that you've agreed, no signature required.

How I know ? well I played with them on the phone to find out how the modus operandi works

My take ? after seeing a few people with similar experience, noticed they bought this plan but they don't really need it. In the end they just cancel it 

lol well you can always ask them to dig back their pre-recorded for the "No" that they've answered, otherwise you can still request to free-look the policy as I'm sure the insurance will not honor any refund request after the free-look period unless you have evidence to show that you didn't want the policy from the phone recording.

according to this....
Free Look

You may cancel your life insurance policy by returning it to your insurance company within 15 days after receiving the policy documents. The premium that you have paid will be refunded to you.

http://www.insuranceinfo.com.my/choose_you...intPrefLangID=1

the T&C is supposed to be, you need to receive the policy book and from the receive date, you have 15 days to consider on the policy. If you return the policy within this period, you can get back 100% refund.

Just walk in to AIA customer service center.

With MYKAD can check any policy under that owner. Then she can decide what to do.
AIA CS quite helpful. I walk in with friends before.

https://www.aia.com.my/en/help-support/locate-us.html

You don't have to go through the bank as the policy is now issued through the insurance company, so it's best for your friend to walk in to AIA branches instead to deal with them.

I'll suggest walk in. Easy settle.
Check the nearest branch will do.

Normally you can't cancel over the phone, have to walk into the branch to sign off the paperwork.

while pondering if this country is sick or not,

read 16...
16. Can I cancel or surrender my policy?

Yes, you have the option to cancel or surrender your policy. We will refund the premium based on the table below, provided that no claims have been made during the current policy year...
https://www.aia.com.my/en/our-products/onli...r-plan/faq.html

it has a table showing the refundable % for every month of cancellation delay.....

hope you can tell your friend's GF to act (in the correct route) soonest....for her plan "may" have conditions like that too.

good luck.
and do keep us updated on this .

the advise is always say "NO" thank you.

then no issue already.

then say YES to other things called up by the telemarketers?   

Good advice... Spread this advise to Yr friends their friends too.

hopefully one less sucker are will be "saved" from your spreading.

for educational purposes....or
they know they have nothing to fear or
they know that the customer if not happy and think that they are not at fault can always complaint to the PIAM INFORMATION CENTRE (PIC) & OMBUDSMAN FOR FINANCIAL SERVICES (OFS)

or to let people know how many suckers are falling into the pits...like every few weeks can read in the news people still falling for the parcel or love scams or money games operators.

good nite and good bye.....