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Currently, in the market, generally Investment-Linked plan collects about 200% out of 600% of first 6 years premium for charges (i.e. Unallocated Premium)
|BUA Premium Allocation||HLA's EverLife Plus||Prudential's PruMillion|
|Year 7 and onwards||100%||100%|
With MORE % allocated for investment from year 1, i.e. the Investment Funds can get significantly enhanced especially if the fund is really performing.
Since this is not a normal plan, the premium starts from RM3,600 per year instead of RM1,200 per year for most Investment-Linked policy. Apparently Manulife is not keen to capture 'tiny' cases.
Contact ExCellentte@ChongKongHui.com for more information or a quotation.
Excellentte Consultancy Sdn Bhd is licensed by Bank Negara as Financial Adviser.