Have you ever signed up for an insurance policy, happily thinking about how you can get a large payout when your policy matures in 10/15/20/30 years time? After all that waiting, you excitedly cash in on your policy...only to find yourself disappointed when you receive a much lower payout than what you had been expecting all these years. If that scenario sounds familiar to you, you're not the only one. There has been some discussions lately about how policyholders are not happy that they are not getting the kind of returns which they think they should be getting. The difference between projected maturity values and the actual payouts by insurance companies can be quite significant. Not too long ago, a Singaporean woman in her late 50s lodged her complaint against her insurance after she was taken by surprise when her policy matured and gave her a lower maturity payout ......