Review on AIA smartrewards saver(ll)?

Hi anon,

I answered a somewhat similar question here: https://seedly.sg/questions/can-someone-explain...

To recap, if you do not withdraw the coupons, the final lump sum paid out comprises of two components: The guaranteed maturity payout and the non-guaranteed bonus. From my recollection, the guaranteed payout is lower than the premiums paid, and only if you add the non-guaranteed bonuses, will you have a chance of having the total lump sum payout be higher than your premiums paid.