I don't think u can get investment-linked policy 20 years back !!!
I think it is endownment with cash payout every 3 /5 years.....

Just as comparision from my personal experience.

When I buy unit trust, I receive an investment report on market trends every month. I get to meet my financial advisor whom I bought from, and we can casually discuss on what's the best financial route, since they are typically investors themselves. They will advise me on how the invest.

So I'm kept informed all the time about how much and where the investment should be.

When I buy unit trust from an insurance company, I only get a half yearly report on how fund value. I get to see the agebt when premium is due and I can't discuss investment from the agent cos they probably did not invest themselves. But I get a birthday card every year from my agent.

Which sounds more financially wise?

In the case of my mum, I think she only got a yearly report which doesn't even tell how much fund is left. There is a Compound Revisionary Bonus which is misleading because there is an undisclosed sum deducted from it as expense. In my mum case, the yearly CBR report shows the sum closing to 60K, which is why no alarm was raised. My unit trust, I know what is the charges.

what after sales service? My pariah PRUDENTIAL agent been MIA for years now.