Well, you can get a updated Benefit Illustration from Prudential on the annouced bonus (which is guaranteed upon annoucement). So likely you would have received at least 10k gauranteed returns imho from the annouced bonus yearly. The remaining 43k is gauranteed by policy end. So you should be sitting on gauranteed 53k for now. Prudential/AIA policies has a history of higher non-guaranteed returns. Also, for endowments, they do give projected bonus, unless there is a major issue (case in point AIG, before AIA asia is born). Do correct me if I am wrong, but this is what i would probably see. Do update us with the updated benefit illustration. In the future, do also make sure you are accompanied by someone who can read contracts, before going down for such FDs etc. Banks can sell endowments.