Roy, a few question from a friend of mine regarding PRUlink million.

1. Coverage 500k for death/ TPD with Payor. In the Product Disclosure Sheet it is stated lump sum payment before age 70 next birthday but then the agent says covered until age 100. In the Sales Illustration it says expiry age 80.

2. My fren is age 40 and the premium payment period is 20 year. After the age 61 do we still need to pay premium or is it projected that the Cash Unit is enough to offset insurance charges.

3. At age 70 the projected insurance charges plus fund mgmt charges X is around 7k plus , for Y its around 8k plus ,what does x n Y means as the insurance charges is different .

4. At age 71 to 80. how much should we expect the insurance to cost , 30% - 50% or more?

Thanks

Thanks Roy