Question - I've been telling people to pay attention to the investment linked funds as part of the selection criteria when selecting insurer. And people think I'm nuts

Last I checked, 3 years annualised returns for Msia equity inv linked funds for AIA is 8+% and Prudential is 2+%
In the long run this is going to make a lot of difference

Now tell me, am I really wrong to think the inv linked funds returns do matter when it comes to deciding which insurer to go with? Inv linked funds are not premium guaranteed, if the funds don't perform we may need to top up premium later on to cover the insurance charges

Oh, I did it myself. I'm experienced enough in funds to be able to do that
Some of my old postings
https://forum.lowyat.net/index.php?showtopi...&#entry79452016

Actually it's in the projections shown in the proposal. If you are diligent enough, you can compare across other insurers and also with term life policies. Generally they don't run too far

I'm just pissed that everytime I raise this people talk down on me like I'm some Id*ot. Of course, also pissed that I'm with the insurer that has the low returns in their inv linked funds

Nope, I did not make the switch, I've had the policy since 2009, which means I finally paid off the hefty commission. I'm not about to start again. As to switching within prulinked funds, unfortunately the old policies can only switch within the local funds which all feed back to the same gigantic equity fund and bond fund, so there's really no alternative.

What I can do however includes - spread the word so that others don't make the same mistake. And if I do it hard enough, maybe one day the giant insurer will realise they need to buck up with their inv linked funds and do something about it. That's my version of win-win situation and little contribution to the society

p/s: Insurance agents need not PM me. I'm well insured and do not need another policy. besides, I trust you can tell that I'm a difficult client if you bother to read my postings

This post has been edited by dasecret: Jul 12 2016, 10:25 AM