your mom should receive a sms noticing her cash value from insurance are not able to cover before insurance kaput

The agent is scammer, product is never a scam. lol

That's why agent like to target uncle aunty.

You need to understand that 4 hings
1. All ILP will not have enough cash balance to cover your policy after xyz years that is why you need to manually perform a large chunk topup to keep it sustainable. Cause majority of ILP cannot beat EPF return.
2. All ILP cash balance will be negative at end of insurance life.
3. All medical insurance premium will increase regardless if it is ILP or standalone. ILP will just minus out the investment portion toale up for it until it reaches zero then lapse. All medical insurance premoum increases with age. Cannot run away fo it. Embrace it.
4. For medical insurance, agent continue to receive premium for at lesat 6 years. First 2 years 40% will be as commission goes to insurance company and agent. The rest goes into your investment fund and your premium.

You can complain of OFS and see can get any settlement. Likely not.

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.

Is not a scam. It's just maybe agent never tell you the full story.
1. Did the agent tell you don't expect any money left from the ILP?
2. Did the agent tell you that need to topup eventually cause premium > ILP returns/cash value?
3. Did your agent tell you that majority of ILP cannot beat EPF?
1 & 2 all good and honest agent will tell you. Mine did. No 3 no one will tell you. I went with standalone over ILP cause i am not overpaying for stuff that I don't need and not helpful.

Actually mcis should send you a SMS/email/letter telling you to topup if ILP not enough money to sustain the insurance. Failing to topup = insurance lapse. Not sure if your mother received those notification. What is done is done.

Then it's time for you to do homework and see if it is still active. If it's active, see if you want it. Is the protection enough? If no, surrender the insurance and get a new one.

You should always review your insurance at least once every 5-6 years.

Also if you are getting new insurance, think, do you want to pay for ILP or standalone? Standalone is pure insurance only. Nothing else. All agent will push for ILP cause it's more pricey so they get more commission.

Never stick to one company. Shop around for best value for money.