hehe, ok.
Out of all insurance, this one I never like .
My point is , the sentiment towards general insurance products was quite , down. I just feel that, this should not be the case. So many insurance products, there are some indeed, have very attractive points for a long term investment.
Just take one for the sake of discussion,
Prime Life Policy. Idea: to hold it till 20 years (of coz provided the policy holder did not die), then surrounder.
The surrounder return in all will give you around 3.4% return p.a. (excluding all fees, and non-guarrenteed portion we take a conservative measure. i.e. not get all non-guarrenteed portion)
So I may say, to many low risk appetite ppl, these kind of long term investment is worth considering ?