1st thing 1st.
The information that I am going to share with you is available publicly in previous newspaper articles.
You can find it if you want to.
2nd thing.
If you already have a savings plan, you are doing good.
You are better than those who have none.
3rd thing
What I am going to tell you is just facts and figures. You make your own decision to which ILP is the best in the market.
4th thing
To financial associates out there.
Dont use this information and tell your clients this and that.
Just tell them convincingly that NTUC Income ILPs have the best allocation rate in the industry.
Match the plan to their financial objectives and they will believe you and they will get it from you.
Dont have to talk too much.
Okay…. Now I can begin 
Basically, when you talk about Investment Linked Policies, you talked about
1) Allocation Rate
2) Charges Incurred
- NTUC Income have the highest allcoation rate in the industry in Singapore.
1) NTUC
Allocation :Yr 1 – 3—85%
Yr 4 100%
2)AIA
Allocation —100%
Surrender penalty (backend charge)–
Yr 1 – 95%
Yr 2 – 85%
Yr 3 – 65%
Yr 4 – 40%
Yr 5 – 30%
Yr 6 – 25%
Yr 7 – 15%
Yr 8 – 0%
3) Prudential
Allocation
Yr 1 20%
Yr 2-3 50%
Yr 4-9 100%
Yr 10 105%
4) GE
Allocation:
Yr 1 15%
Yr 2 50%
Yr 3 75%
Yr 4 – 9 100%
Yr 10 105%
5) Manulife
Allocation :
Yr 1 0%
Yr 2 – 3 50%
Yr 4 – 10 100%
Yr 11 102%
- NTUC Income also have the lowest charges in the market.
http://www.askdrmoney.com/Ins_ILP_RP.htm
Thank you
Wed, Jan 9, 2008
Investment