im just going to say one thing.

the 5.5% or 12% or whatever % they guarantee you return. are u sure it's on your dividend?

most of the time this % returns is on YOUR SUM ASSURED. not the money you put in. go check.

secondly , if HLA is offering such a damn good savings plan, why are they not part of HLB?

You go put your investment in an insurance company whereby the agents already eat 35% of the commission plus acquisition cost, etc. make sense?

you want investment, go buy from a bank / unit trust.

you want protection, go buy from insurance company.

google word insurance. it means protection, cash value, savings, etc is a bonus. you want investments, go buy from a bank.

im an insurance agent and i want u all to google the word insurance

insurance means protection

u wanna save and invest, u are better off elsewhere

u want protection to protect your savings and investments, come to us