Apr 12 2019, 10:56 AM
QUOTE(sll994 @ Apr 12 2019, 09:13 AM)
Ya, the Terminal Bonus alone only received half. In my screen shot there, the Terminal Bonus suppose is RM7,984.97. But only received RM3,802.37. All other like Reversionary Bonus are exactly same received. Means that total up the Sum Assured + Reversionary Bonus + Terminal Bonus, I got RM52K+ only. It is the Surrender Value, but not the Maturity Value, which is RM57K-. Less RM4K totally.
My doubt is, why only the Terminal Bonus is half less, but other bonus and value are not effected? My policy already fully matured, but I only received the Surrender Value not the Maturity Value? Haha.
The Sum Assured is guaranteed, whilst the RB and TB is not guaranteed. My doubt is, why only the Terminal Bonus is half less, but other bonus and value are not effected? My policy already fully matured, but I only received the Surrender Value not the Maturity Value? Haha.
The RB once declared is locked and added to the total RB and will never go down. Eg, 100 yr 1 +50 year 2=150
For the TB on the other hand is dependent on the fund performance, company to declare and fluctuates.
Eg, 100 yr 1, 50 yr 2 = TB 50
Generally I would say that when dealing with the surrender value or amount that you can take out is very much dependent on the market performance WHEN you surrendered or mature.
Last year most funds went down hill.
You also mentioned that you have other insurance but they do not show vast decline in the values.
Were they surrendered/matured the same time as Pru?
Also, it is very unlikely for a 10 year plan to have much returns as agents commission is already take out 6 years off the returns.
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