Just my two cent, I have done a simple comparison between "the Builder" and "FD" for ten year with flat rate of 3.0 per annum

I notice the return is slightly similar, " but if any financial difficulty," the builder will hurt my total saving a lot.

I been ask my agent, they said " if we didn't complete the policy year, the money we get will depend on the surrender value T_T "

Advice : " pls buy within your financial ability, and never think about taking it out after 6 to 15 year ... or you will suffer lost