I just realized na kupal ibang financial advisor. They target people during a vulnerable time sa life nila. My mom paid 4k/monthly for almost 3 years, and that insurance was para sakin. When the time came na ako na need magbayad, nagtanong ako sa FA (na old coworker ng dad ko) if pwede ko ba iwithdraw yung mga binayad ng mom ko (if ever pwede)… and ayun, deadma lang. Di ako nireplyan or tinawagan. Found out na kaya ayaw nila iexplain kasi mawalan sila ng incentives pag nagawa yun 🤮