Dear Mr. Tan,
Should I go for those linked with investment (XXX Life Manager Plus) or those (YYY Guaranteed 15 for Life) that only need to pay for 15 yrs and covered for life?
REPLY
Both of these policies have high charges. A large portion of your premium goes to pay the commission of the agent.
My advice is to buy Term insurance and invest the difference in a low cost, diversified equity fund.
Read the following FAQs.
http://www.tankinlian.com/faq/fptips.html
http://www.tankinlian.com/faq/savings.html
http://www.tankinlian.com/faq/ilp.html
http://www.tankinlian.com/faq/term.html
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