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List of Insular Life Products No Longer Available by June 2014

mjtfernandez · 3 · 2184

mjtfernandez

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Hi Guys, we have just a received a memo that the following products below will no longer available in the months to come due to the fact the low interest rate environment can no longer support the high yields provided by some of our products. Products are no longer available by June 2014:

Those who want to avail the products may do so before June 2014.

New/repriced products shall be made available after June 2014.

Here are the affected products:

1. I-Assure 5 (Whole Life)
Payment Scheme: 5 years (Guaranteed)
Protection Period: For Life (Until Age 100)

2. I-Sure 10 (Whole Life with Cash Benefits)
Payment Scheme: 10 years (Guaranteed)
Protection Period: For Life (Until Age 100)
Cash Benefits: 8% of the Face Amount/Sum Insured For Life (Guaranteed)

3. I-Aspire
Payment Scheme: 5 or 10 years (Guaranteed)
Protection Period: 20 years
Cash Benefits: 10% of the Face Amount x 4, 20% of the Face Amount x 3 and 100% Maturity Benefit (Guaranteed)

4. Money Back Reloaded
Payment Scheme: 10 years (Guaranteed)
Protection Period: 20 years
Cash Benefits: 255% of premiums paid (Guaranteed)

5. Sure Cash For Me
Payment Scheme: 5 years (Guaranteed)
Protection Period: 15 years
Cash Benefits: 10% of the Face Amount x 10 and 100% Maturity Benefit (Guaranteed)
« Last Edit: Apr 15, 2014, 10:16 AM by mjtfernandez »


julz

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Which of the 5 has the best return? most benefit?


mjtfernandez

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Which of the 5 has the best return? most benefit?

I-Sure 10... I think other companies offer 6% return while we give guaranteed 8%... So good that it had to be repriced.


 


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