I bought a Premier Life Generation 3 product from them on their advice, and took a loan to pay for it in May 2020. While going through my banking statements at the end of 2020, I notice there was no quarterly repayment of loan and asked if there was an error. I was told there the loan department has forgotten to charge me for the interest, and there was an ongoing internal investigation. A week later, I noticed a huge lump sum being deducted from my statement, indicated as loan repayment. No indication of what rate has been applied, to what tenor, and no prior warning that the funds will be deducted on what date. Pure lack of basic courtesy, and simply frightening, especially when you are managing your cashflows closely. As of now, I don't even know if I am overpaying for my loan!