I have checked this already and there should be few thousands of surrender value they should give me but they said I can't get it. That's why I am unsure now.

I did some rough calculation actually. The dividend and the surrender value are paid differently. The dividend will be paid every end of the year. The surrender value will only be given when I terminate my investment. Well, I have contacted ASB financial advisor already and he told me even though I invest less than 3 years, I will still get the surrender value amount. The RM300 amount they credited into my account earlier happened to be the exceeded amount that I paid upon termination which is a different case.

So my assumption here is, the bank is trying to lie me and take my money for their own. If not, they won't give me a lot reasons and gave me the wrong info. For example, they said I did not pay during the MCO moratorium but I did pay. Since I insist, they asked me to give them a week to talk to their HQ or ASB HQ idk. Cause they sounded very rushing when I was on call with them.

I talked to ASB before I called them actually and the ASB told me, the surrender value is not under them to manage. They only do for the dividend.