the monthly payment got increase few times already, from 158, now is 222

and i have not used it once

like AIA, they told me, if i didnt claim, got rebate or something 

Nit advocating for anyone. But my experience with AIA was horrible. So bad until I made the move to email their ceo.

I think all insurance are the same just which one have a better service.

Anyway my issue was endowment. So every 5 years suppose to pay to my dad. Usually they issue check. Then they say no more chq and will direct debit.

1. Ask me to fill up form
2. Form so difficult to understand
3. Everytime email say will response in 5 working day. Imagine I ask what is this line for. They come back to me can I have your account no. And then respond to you in 5 days. Lots of back and forth
4. Finally went to the branch at shah alarm fill up the form. Even took a copy of certified true copy as proof.
5. 1 month later still not bank in yet. Email then 5 days again. Call their hotline also useless. (I recorded all my interection with them)

End up emailing  Mr Ben Ho. Problem resolve in 3 days.

Wasted my time. So yes, this is my experience with AIA. Maybe others would have better but not me so I will not go with AIA ever.