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Old 20-03-2012, 11:30 PM   #647
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Join Date: Jun 2010
Posts: 3,166
is the hsbc growth manager plus recommended?
Are you being advised by a HSBC agent? Seems like you keep asking about their products only.

IMO, since you are only 23, get a private shield plan + riders. That's the most important insurance plan that all SG/PR should get.

Then you can look to see if a term, whole life or ILP would be more suitable for your needs. Reading online for information is good but you must understand that not everyone is suitable/diligent enough to buy term and invest on their own. Therefore, there will always be a market for the whole life policies.
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