Good financial products

I wish to identify certain insurance and financial products that give good value to cusomers. They have to meet the following criteria:

* transparent
* easy to understand
* have reasonable charges
* easy to withdraw (with fair charges)
* easy to compare with similar products in the market

If the product issuer can provide the facts, I shall be able to make an assessment and recommend the product in my blog.

I am in favour of the following products:

* exchange traded fund
* low cost, well diversified fund
* government securities
* highly rated corporate bonds
* fixed deposits
* term insurance

Each product should earns a fair return that is commensurate with the risk.