Aia pro achiever

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?

Any ILP is not recommended as an investment as it eats up too much of your gains with their fees. You are better off investing your own or using a robo, there are plenty of guides out there to start you off. If you want more details why ILP are bad you can consider reading thru all the past cases over at reddit.

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https://www.reddit.com/r/singaporefi/