Does AIA have endowment plans like Pruflexicash that allows me to take half the money out after two years?

Hey there!

Yes there is :) In AIA, there are short term saving plans for you whereby you can allocate a sum every year over a short period of time. Savings plans guarantee your capitals and often comes with a bit of interest and a terminal bonus (T&Cs apply of course). During the course of the period, you are able to make partial withdrawals, as mentioned.

My advice when it comes to choosing is to go through the different policies yield and expense ratios to get a gauge of how much interest you are able to get. Do talk to a trusted advisor on this!

Financial planning is an integral part of life. You can reach me here to find out more.​​​

Hi there,

Definitely! Offerings across all insurers are thereabouts the same, to maintain competitive advantage. I have clients who have a diverse portfolio, that have policies from different insurers. Reason being, as a consumer myself, I believe I should have the option to choose. (E.g. Coke or Pepsi)

The underlying difference you should be focused on when making a comparison for endowments, is the company's participating fund. The performance of the fund will determine whether the company can make good on their illustrated values. Before you make a long-term commitment, you should do your own due dilligence, as the onus is on you at the end of the day.

Should you need more information, you can reach me for a consult, and we discuss better how to address your concerns.

I hope i managed to answer your queries. Have a great day ahead!

p.s. The amount that can be withdrawn from the policy, is not half of the total premiums invested, if that was what was shared with you.