Yea.. same with me, 6 years already

I was clueless that time, all I wanted was insurance coverage

Now regret I included investment-link. Was told no price increase.

1 years ago, got letter premium must increase, or will reduce coverage span

Want to meet agent also difficult, after meet, macam macam explanation.. MYR down lah, medical cost increase lah, too many claims lah

I never claimed for that 6 years. Even if medical cost increase, it's not like my coverage will increase, it's still the same.

Then I thought maybe just pay for medical coverage only, remove that investment thing.. but cannot lor. But if want to add rider, can lor.

6 years ago, I was not literate about investments, funds..

They give projection, I thought that's 100% certain.

Later I see it's doing horrible.. I applied to change to different fund.

Walaweh.. so much questionnaire. Submitted, but got rejected, need to do further questionnaire.

So now I'm just stuck with the fund I was automatically assigned.

At the time I sign up, I don't know about the funds.. why couldn't the agent explained to me the different funds available, which one I would want.

During covid, I had about 4k balance.. the agent said must maintain min rm1k (or 2k I don't remember)

So I applied for rm1k withdrawal

Rejected

Yes.. already paid for 6y with current insurance

Then surrender, take new insurance

Masa itulah benda nak terjadi

My cousin who's an agent of different insurance, said "yes, that's why once you get new insurance, you continue pay your previous insurance also."

Of course I didn't go for it.. I'm B40.

This post has been edited by Natsukashii: Oct 13 2023, 03:10 PM