Dear Mr Tan,
Recently I bought a insurance plan called Life Manager Plus. It is my first time to buy the insurance.
I need to pay S$300 a month premium for sum insured of S$100K for Death, Critical Illness and Total and Permanent Disability.
I am thinking of reducing the premium to $150 and invest $150 on my own. What is your advice?
MY REPLY:
Ask the agent to give you the following:
1. What is the upfront charge for investing in this product?
2. What percentage of your premium is invested?
3. What is the expense ratio of the fund?
4. What are the charges for the death cover?
I suggest that you read this FAQ:
http://www.tankinlian.com/faq/fptips.html
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