Hi simonhtz,

I have read through your thing and i felt sorry for you about it. I think if you would like to blame, you should blame on the agent itself. Actually, there are a standard procedures and process to all claims process regardless of which insurance company that you buy it with. To confirm with it, you can check with the Bank Negara guidelines on the insurance practice in Malaysia.

After you have read through it, you will notice that it is the agent that you believed "will be always by your side" when things turn bad or sours, be the one responsible for your cause. I wouldn't said not all agent are bad, but not all of them have the responsible itself when the bad things doesn't fall on them.

To be frank to you, i am also from AIA. I also buy from AIA but i do things different from you. Instead of buying it from an agent, i buy it myself. Actually it does not hard to buy and manage your own insurance since i believe insurance is something personal to you, not the agent. You can't hardly trust an agent nowdays but can you trust yourself? If you are the one to manage it from start and people is giving you some in-side of how insurance things work?

If you need some convincing or some info, we are welcome you to come to Level 12 (Gratitude Agency) Menara AIA, Jalan Ampang here on every Saturday from 2.30pm to 4.30pm talk session about the things i am practicing now. You can listen to what we are trying to offer to the you and we would also like to hear more on the things that you are not satisfied. You do not need to buy anything if you free you are not to it, just that i hope that you give yourself and us a chance to share something different from the market.

You can pm me if you have any inquiry about it. The talk session is open to public. All is welcome.