Recent On-line post

Recently there are some of my friends ask me relate to a recent online circular post. it was mentioned that how come the policyowner put in the money every month in the end did not get back as what is expected or even worst did not get back what he ‘promised’?

When i look at the policy, it was an old plan. and the plan has emphasis the key of the plan. That is ‘purpose‘ of the plan is for the list of protection. Then there are riders added attached to it that make up of the total premium about 38% of the 100 premium annually. 


Rider do not contribute to Accumulation

i would emphasis agian that rider do no contribute to the accumulation or i would said rider premium is just a component just for protection.

Mature policy in 2014 ( 25 years plan survive the economic crisis )

Just to illustrate that below are one of my client that has the plan mature since 2014, you can see that the plan rider’s premium are kept little.

Monthly premium $148.50

Total Premium 25 years pay : $44,550 / Maturity in Nov 2014 : $79,005.70

Company Performance

when you hear people saiding about how good their company is or how company did not manage well even during the the economy crisis,  you may decide how it stand. 🙂

Referring to the online post ,  just looking at the fact now. i would said, the policyowner and the agent that sell the plan know the truth.

if you would like to see or understand more on the companies reserved funds and participating fund. click the link.

Priority/needs –  Selling and buying

Such as what are the actual needs or what is the main reason to purchase a policy? is it the policy owner emphasise the protection as the main concern and get some money in return? or purely to focus more on accumulation and less protection need? (just like my below example). Has the agent advice on the return? did he mention the riders do not contribute? did he also share other factors that might be concern to the policyowner?

Moving forward, always know what you buying for, if there are some questions that you don’t understand, make sure you clear the doubt before you moved forward. listening and Communication are the always the important keys. 🙂

Clear the Doubt before you put your signature 

i would advice never take for granted even your agent is your relative or good friend or close one. Assumption is always a spoiler after that.


i sincerely hope the case will have a good outcome. all the best. 🙂


endowment with profit

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Christopher Loo


Senior Financial Consultant