Anonymous

18 Apr 2019

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Is the cash value in life insurance a good investment?

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Hariz Arthur Maloy

06 Apr 2019

Independent Financial Advisor at Promiseland Independent

The yield on a life insurance plan is about 3+% per annum over 20-30+ years.

If you're risk adverse and don't want any exposure to stocks, insurance plans can give you compounded bond like returns. Also they are backed by A rated and above companies. So it's practically investment grade.

An alternative would be to look at CPF Special Account.

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Will there people even get a whole life insurance and mid of way change to term and cash out their cash value of life insurance to do it for investment?

Does anyone have a good recommendation for an insurance (critical illness) that gives a good cash back value ? I just know of surrender value but they seem really bad. Any other alternatives?

Hi, can I ask. My NTUC insurance life policy has 'Bonus', 'Net cash value'. I am not sure what the terms mean. Can explain in layman without any insurance jargons to me ?

Pruactive whole life or pru flexi multiplier what’s the difference?? Both are whole life insurance and have cash value what else??

Hi, does it make sense to cash out my investment life plan and use it to buy a pure life insurance?