Does performance & stability of an insurance company affect our withdrawal or surrender process?

All insurers have this called "Reserve Ratio" that protects the policyholders.

Be it overseas or local.

All policies are also protected under the Policy Protection Scheme of up to $100k surrender value per insurer.

All insurers are MAS regulated, hence they follow MAS compliance. Hence there should not be too much distinction, unless you are buying huge sums.

Hi there,

You have asked a very relevant question that people might want to know. If you were to invest in a company, the only true determinant to whether a company is successful or not, is it its finances. So in your question, the main point would lie in the companies' ability to generate an acceptable level of returns for capital invested.

Each entity in Singapore, even if its business model spans different continents, their performance is only tagged to its relevant domicile. The best gauge to find out how well the company performs, is by scrutinising its participating fund performance.

Great Eastern, Aviva and Manulife, all have different investment strategies, and different assets under management available to them to grow their clients funds.

So inherently, if the company is unable to deliver on its investment returns, it will inevitably affect your withdrawal/surrender value with comparison to the projections.

Past performance is not indicative of future performance, but having a long established track record of positive results, does help in the reliability and stability of the underlying companies.