I was scammed by this Axa Philippines when I mistakenly thought that the agent that was scamming me was a licensed one, but no. He's just a friend of a real agent, Mr. Joseph Genson Pacatang who Mr. Jaramillo had a share of his incentives. So they had this deal that whoever Mr. Rick Anthony Rosal Jaramillo recruits, he gets a half share of the incentive. Now, when I successfully had my Axa policy and it was approved, I don't know where to go because Mr. Pacatang don't care about my concerns since he only got half of his incentive.
Also, they bought said that I get so many overpromised benefits which I didn't know were all bluff. That they said that the earlier, the better. But the reality is, that it is based on stock units/lots, NAVPU, if you will.
In fairness with Axa, they had a more misleading website, policy, and all that's Axa. For example, that there was a percentage of my premium that would go to my investment, but no, that was a lie as I always check on my account on Axa.com.ph a deep lie. After a year of paying expensive premium, only a thousand pesos plus (P1,000 plus) is on my investment. Axa is a scam and full of promises which are really misleading, it's company that grows with lies and snatches money from poor people like me.
Stay away from Axa, PruLife UK, Sun Life, and the like. Instead, invest directly from stocks or to bank UTIFs These bundled products are very dangerous.