I found this excellent paper from Bank Negara, Malaysia. It explained the method of using asset share to ensure that policy owners get cash values that are fairly computed:
http://www.bnm.gov.my/files/publication/dgi/en/2004/08.box2.pdf
Here is the FAQ from the Life Insurance Association of Malaysia:
http://www.liam.org.my/cms/general.asp?whichfile=English&productid=237&catid=13
Here is another article printed in The New Paper:
http://newpaper.asia1.com.sg/columnists/story/0,4136,167015,00.html
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