I'm comparing an Allianz plan with Great Eastern..investment linked... On the surface Allianz looks more value for the money.

However , the GE agent brought my attention to the "cash value" whereby GE plan is way superior in terms of cash value 30 years later compared to Allianz (about 30k more)

My question is, can and should cash value be taken into consideration when purchasing a plan? As Allianz agent told me it's not guaranteed and company just simply project . Or do they project on some sort of fundamental basis?

Thanks

thanks for your kind advice guys