buying insurance from every insurance companies, same, they have also fund managers manage funds and invest into bond and blue chip stocks. Mostly 80% will invest bond othrs in blue chips. Its depends on the proportion.

For bond return yrly 4-7%, its subject performance. Senario 1 told if the market good, assuming 5.5% , if performance low will be 4% or even 3% yrly. That why, this company (AIA) made it 2 senario and you may estimate how much the return in 20 yrs later.

its give more protection to the valueable customers..Its not the company just wana made money, but also market demand. Each person has own needs for protection..'Chinese always said (Got money scare no plc use') something sound like that...Most rich people need more protection. Who knows one day ..... bla bla..