誰負責實施我的投資策略？保險公司？我？
誰負責實施我的投資策略？保險公司？我？
 You may have already gotten this resolved but since I have not seen anyone respond to this I thought I would put in my 2 cents worth. Everything you mention makes sense to me. When the company switched the accounts to the guaranteed fund the only way to switch it back would be to notify the company, usually with a company allocation form identifying the new allocations. What troubles me is that from what you are saying, there is no notification of the process. My best guess is there is something in the small print you have which talks about the process but without seeing any of this I cannot directly help (there are no attachments on this venue). I would recommend finding a broker and see if they know what the process is specifically with the company the policy is with.
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