Leekk8 and Luqmanz,

1) Just use a bit of common sense here.  Insurance folks take your money and charged you commision to buy unit trust to be included in the insurance.  This is what happening in those investment linked policy.

Let me ask you a simple question.  Why are you paying insurance agent high commission to put unit trust inside you insurance when you can do it yourself to begin with??

2) In general, unless you meet an insurance agent that is very knowledgable.  They cannot and will not separate the insurance portion from the investment portion.  You really have no idea how they calculate the return since you have no idea how much you are paying for insurance and investment.

3) You do not know how to calculate retrun so how do you know what are their assumptions??

4) Insurance companies make a lot of money eventhough the agent commision  is around 141% to 170% of the first year premium for each policy.  Guess where they get their money from?? You, of course.

5) If you really do the calculation and they tell you exactly how much each portion: insurance versus investment.  You will know and find that the return is worse than FD.  Please noted that you do not pay commision when you buy FD.

Dreamer