For saving plans, do you prefer high flexibility with lower returns (Eg. saving accts, SSB, flexible insurance savings plans) or no flexibility with higher returns (Eg. fixed deposits, endowments) ?

Singapore Savings Bonds as it offers pretty decent interest rates and is flexible/liquid should I need those funds anytime as I can redeem it before maturity as compared to Fixed Deposits. Moreover, SSB's interest rates for Jan 19 is above 2% which is almost similar or higher than what FDs are offering. The highest FD I've seen thus far is CIMB's 12 month FD at 1.90% I believe. I wouldn't go for endowment since it's not flexible/liquid and the time horizon is too long with low returns.

I wouldnt go for either endowment or ILP. In the group, SSB seems the best and even has higher returns than fixed deposit. Your comparison of flexibility and rate of returns doesnt really hold here.