I was approached by an agent on HLA Prime Wealth too. Did my own calculation, sans the dividend which is not guaranteed, the Guaranteed Yearly Cash Coupon (GYCC) came up to 8.17% on average for min. 6 years tenure.

When you said withdrawal can only happens on 9th year (8 years tenure), hence the GYCC would be averaged at 6.96%.

I did some formula calculation on Google Spreadsheets to came up with this figure. Not 100% exact as tabled on HLA's website, but the GYCC return rate is pretty easy to calculate though. The rest were just the compounding interests, which complicates thing.