Zack Styler, pay for 15 years and at year 20, the amount is slightly double the amount u saved. To me, isn't a good deal.

I saw other plan, pay 6 years will double at year 20 (35 yrs term). Another plan, pay for 10 years and will double at year 20 (till age 88)

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.

Someone replied this topic and it goes to the first page, or else I won't be able to see it and reply.

Investment-linked product not always a bad choice. It just like in unit trust. You should know when to move to equities, when to switch out to fixed income, how to lock-in profit, when to do your "dollar cost averaging", etc.

I doubt many agents actually do that for their clients but policy holder should be aware they can switch funds depend on the market.

Another way to have some sort of investment is to buy whole-life policy. Haha, Mtsen will not agree to this as he is PRO on, buy term invest the rest but try to take another look on it.

In whole life(participating polic), your premium (actually is additional prem you paid) will be so-called "invested" in the company operation and investment, and when the company's profit from it, you get some "dividend".

For me, performance of participating fund is far more secure that units in investment linked as performance of insurance company but it cannot generates return such as 20% a year.

Well, high risk, high return but make sure you know how to manage them.

Are u aware that u are replying to a 4 years old post?

LOL lagi lagi investment ... mana ada?