an insurance company wont bluff their policyholder. if bank negara found that they cheat the policyholder, their license will be withdraw and can transact in any insurance business. i dont thing the company will take this risk bcoz of the "small amount". maybe there are miscommunication betweent the insurance agent n company or agent and customer. dont blame the company...find out what is actually happening..be more rational. i m life and general insurance agent for years and all my family are insurance agent also..we treat our customer like treat us. we sell the insurance to protect them. not for the sake of commision.