Any HLA Cash Builder here?

Right now like so dilemma wanna continue this plan or not as that time introduced by friend when i baru started working.

Commence date : 28 Dec 2011
Maturity date : 27 Dec 2041
Premium paid period : 6 years - finished November 2017

If i surrender now, i believe there will be lesser than the current statement amount, right ?

Example right now i putting this YE2023 statement

A : 3
B : 7
C : 9
D : 5
E : 0
F : 0

G = A+B+C+D -E -F = 24

There is this Note 2 saying "first year anniversary onwards" , what does that mean ?

Bro, how's ur case d?

Recent i also have this big cyst under neath my molars which pressure my wisdom tooth toward my jawbone.

Already pass from private Dental to Gov Hospital now and waiting for next appointment surgery schedule to be done in GH.

Surgery appointment date belum decided but got put estimate mid July 2025.
As the ECG got checked that i might have ventricular dyssynchrony.

But my doc says if put under Oral Surgeric , maybe can claim, hmm..
How long was your cyst being developed?

Mine probably 3 years aging before discovered

U mean ur insurance able to claim due to this reason ?