1) Is there any effect on my policy other than I may need to paid the premium for longer period.

2) If I used the cash received to buy units trust, I may can received distribution from the unit invested as compare to I leave my accumulated units in the policy which only in capital appreciation , am I right?

thanks for your advice
Lee

I can’t believe that an income plan provided by insurance company will give more than 10% return p.a. I am talking about effective annual rate, that is comparable to FD 3.7%.
Normally, this kind of plan gives an average of 5% p.a.

Lee

Unfortunately I’m not yet personally in the need for “wealth management”, as I’m still struggling with some CC debts (it’s looking way better than a year ago, though…). I have personally had use for various calculators, as I’m not too keen with maths. Maybe http://www.mortgageloan.com/calculator/ or similar would fit into next years list.

Do you have any similar resource list with debt-related advice?

Best Wishes,
D4L

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