In fact I don't fancy long term plan as although it may sounds good that after 10 years you will be getting substantial guarantee every years but taking inflation into consideration the guarantee income which they promised 10 years ago may sounds like peanuts nowadays. Imagine the economy rice which I'm eaten 10 years ago costs me RM2.50 but similiar dish nowadays costs RM6.50

Some HL agent did approach me on the income builder plan and on the phone the % sounds so great but when you see the plan and the table then you feel that it is created to cheat some consumers that did not see clearly the hidden part. The latest offer which I heard fm one of HL agent is that they even give you free Ipad3 for signing up of $50k plan and guarantee return of RM15/k per annum. I think Warren Buffet may be interested on this plan too.