UniAsia Plan is cheating the people. They say got 40% base on RM 6000 which is RM2400. Every year you will be getting RM2400, provided you are paying them RM6000 every year. But when years goes by your RM6000 will be accumulate.

Example, first year you pay RM6000, second year you pay another RM6000, third year another RM6000. Means that second year they are holding your RM 12,000. Third year, will be RM 18,000.

Therefore, they cannot based on 40%. UniAsia is BIG CHEATER. Please do not get caught. Even dividend for Bond with 6% is more than UniAsia.

UNIASIA (Assuming Dividend is taken out every Year)
Year Premium Accumulated Premium Yearly Dividend Percentage in Dividend
1 6000 6000 2400 40.0
2 600 12000 2400 20.0
3 6000 18000 2400 13.3
4 6000 24000 2400 10.0
5 6000 30000 2400 8.0
6 6000 36000 2400 6.7
7 6000 42000 2400 5.7
8 6000 48000 2400 5.0
9 6000 54000 2400 4.4
10 6000 60000 2400 4.0
11 6000 66000 2400 3.6
12 6000 72000 2400 3.3
13 6000 78000 2400 3.1
14 6000 84000 2400 2.9
15 6000 90000 2400 2.7
16 6000 96000 2400 2.5
17 6000 102000 2400 2.4
18 6000 108000 2400 2.2
19 6000 114000 2400 2.1
20 6000 120000 2400 2.0
21 6000 126000 2400 1.9
22 6000 132000 2400 1.8
23 6000 138000 2400 1.7
24 6000 144000 2400 1.7
25 6000 150000 2400 1.6
60000
Total Bonus 25 years


Bond (Assuming Dividend is taken out every Year)
Year Premium Accumulated Premium 6% Dividend
1 6000 6000 360
2 6000 12000 720
3 6000 18000 1080
4 6000 24000 1440
5 6000 30000 1800
6 6000 36000 2160
7 6000 42000 2520
8 6000 48000 2880
9 6000 54000 3240
10 6000 60000 3600
11 6000 66000 3960
12 6000 72000 4320
13 6000 78000 4680
14 6000 84000 5040
15 6000 90000 5400
16 6000 96000 5760
17 6000 102000 6120
18 6000 108000 6480
19 6000 114000 6840
20 6000 120000 7200
21 6000 126000 7560
22 6000 132000 7920
23 6000 138000 8280
24 6000 144000 8640
25 6000 150000 9000
117000
Total Bonus 25 years


Do not get cheated by UniAsia Plan just because they say you have 40%. It is bullshit!