Comments on: Investment Replacement Feature in Investment-linked Policy that Beat Unit Trust

By: Prakash

Prakash — Fri, 07 Jan 2011 08:53:14 +0000

Hi KC,

I could see the curiosity of Anonymous, where I think with RM2000 yearly premium you actually could assured a sum greater than RM2000 itself. Let say RM150000 is the sum assured. So, the risk charges per RM1000 sum assured as shown in table suppose based on the RM150000 sum assured and not RM2000 premium paid.

Correct me if I’m wrong. Thanks

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By: kclau

kclau — Sat, 11 Aug 2007 02:37:16 +0000

Hi Anonymous,
In the calculation shown above, the sum assured is RM2,000 which is equal to the premium paid per year. Insurance company won’t allow you to insure with the rider more than the premium you paid.

For example, your premium per year is RM3000. But you want them to replace your investment with RM10,000 every year when in crisis. That’s not impossible. The waiver premium rider maximum sum assured is RM3,000 in this case. You can buy less but not more.

The risk charge shown in Figure 2 is “per RM1000 sum assured”, where the sum assured maximum equivalent to RM2000 only, which is also the premium payable.

By: Anonymous

Anonymous — Sat, 11 Aug 2007 02:30:10 +0000

I hav a question…

the risk charge shown in Figure 2 is “per rm1000 sum assured”,
while the calculation u make seems to be “per annual premium paid”…
i dont understand this…

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