I did not buy it. My family is not the type generous enough to buy life insurance for anyone else. And no I did not get anything from anyone except that congrats email from Tune Protect. Suspect it's fraud so I called them but they have not gotten back to me at all.

Nothing much you can do now since it's been 16 years ago, could've done some review to make sure your investment portfolio is in-line.

Look forward on how you plan your retirement instead for now.

Want to know why? Around 40% of what you pay them goes to commission for I think 3 years. How is the fund going to make money if you already lose 40% upfront?

Second reason, money is invested into unti trust and majority of unit trust in Malaysia sucks big time in terms of return on investment. (worse than FD). There are only few funds which are good (countable with fingers). And if they invest in bond funds even worse.

That's why I do all my investment on my own. Never depend on agent or any BS financial planner. Never ask a barber if you need a haircut.

Now you know. Painful lesson but yeah still a lesson.

okay. cant really comment much because the plan was bought 16 years ago. I aint so familiar with that plan unless I go through the policy contract.
what he meant was, along the way, also monitor his funds other than the education plan that he save along the way. do you mean yours is 3 years to maturity? and what is the name of the education plan that you have?