"My experience with AXA has been deeply disappointing and frustrating. Before opening and signing the policy in 2023, an AXA employee explicitly confirmed that after 24 months, I would at least receive the amount I paid, with only a 15% deduction from the profit. In 2025, prior to cancellation, a second AXA employee reaffirmed the same information and even estimated that I would receive approximately 110,000 EGP. Both employees provided consistent assurances, which gave me confidence in the policy. However, upon cancellation after 24 months, I received only 43,000 EGP—a significant discrepancy that contradicts the assurances I was given. This feels like a clear case of fraud. I purchased a 5-year life insurance policy in February 2023 and canceled it in January 2025 with a 15% penalty as per the policy terms. Despite the cancellation being processed weeks ago, the promised refund has not been credited to my CIB account. Repeated attempts to follow up with AXA have been met with poor customer service and constant redirection. I was introduced to AXA by CIB, which served as a mediator and strongly encouraged me to use AXA’s services. I hold both AXA and CIB accountable for the lack of professionalism and transparency. I am pursuing legal action and intend to escalate the matter through public channels, including the media. I strongly advise others to exercise extreme caution when dealing with AXA."