Aia pro achiever

The answer by AI FA explain differently as compare here.

If you have time, use it to gain knowledge and DIY/robo. I feel insurance is more expensive and they are just pushing the products.

Not recommended unless it is just a short term

Too complex, too much fees, too much penalty.

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Make sure you read through the details, understand how it works and not be blindsided when circumstances change.

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Also on the fees and charges,

5.1. Premium Charge

5.2. Supplementary Charge

5.3. Benefit Charge

5.4. Premium Holiday Charge

5.5. Premium Reduction Charge

5.6. Full Surrender Charge

First 2 years - 100% charge

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Initial Investment Period 10y - 11th year onwards - 0% charge

Initial Investment Period 15y - 16th year onwards - 0% charge

Initial Investment Period 20y - 21th year onwards - 0% charge

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5.7. Partial Withdrawal Charge

5.8. Fund Management Charge

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https://www.comparefirst.sg/wap/prodSummaryPdf/...

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Did your FA cover this?