Why am I not getting a full refund from surrendering my AIA ILP?

I have decided to cancel my ILP after 1 year. I called AIA customer service the day I received the payment notice of $3k (on 12 Jul) to cancel it because they automatically charged it to my credit card. They told me that I need to cancel it before 12 Aug to get the refund from AIA, so I can use the money to pay for my credit card. I met up with my agent to submit the withdrawal forms. However, instead of receiving the full $3k, I only got $800 from it? Why is this so even though I cancelled it?