Prince is an investor kaki la - in SGREITs, SGStocks, MREITs, FSM, AU, etc.
unless it's an "out" to avoid certain stuff due to religion or special circumstances , i'm sure he knows to separate insurance & investing

bro, just to share experience:
Roy's the genuine deal - he even asked Qs that never occured to me, like "contingency appointments" as usually i just put my wife or other family members' (those that will usually "go/gone" with me in same vehicle/area) name as the recipient if i'm not able/around. Baru saja he queried me heheh.
and..
yes, i'm those type that took the $20K deductibles since i can do simple maths & probabilities VS opportunity costs - in 20 to 30 years time, what is MYR20K value

simple maths / logic i can handle, loopholes & other risk management optimization, can pick Roy's brains ,
so much so that i'd rather work with him than FSM's lower cost insurances.. and soon cutting my DIY Tokio Marine Life UForLife to replace with PRUTerm (better cost for bigger coverage 5 years term)
+my child's Manulife (dang portfolio thinggy) with PRU medical+life.

no, not getting any kick backs (except good noodles/BKT once a blue moon) or associated agency ya, i'm just an IT guy who has only met real insurance consultant twice in my life, the rest i met are CONsultants or semi-truths agents (half-truths). maybe i bad luck lar - just attracting most of the other types Good stuff must share/heboh kan else wasted, thus this post

i guess sl3ge just learned about the first 1-5(6?) years of cash-value OUCH of an investment-linked product/insurance. Was very painful too when i learnt it