Came across this: Great Retirement Plan by Great Eastern

http://www.greateasternlife.com/my/en/insu..._retirement.htm

But can't really understand how the Option A and Option B works. Can someone clarify this?

Thanks

At the end of 10 years deposit, the ending amount will be RM35,721.02.
At the end of 20 years deposit, the ending amount will be RM48,709.77.

From 21 years onwards to 36 years there will still be compounding interest aka deduct yearly payout.

* Pls check my calculation, as I did extensive year by year CAGR using Excel worksheet..