IM PISSED!

[Forever84]

They are taught to approach opposite genders

Ya, also female agents taught to show armpits

 

[rottingapple]

hey bros, think about it.

is it even normal? Got what kind of investment can drop 90% value sia? And it’s already in year 7 liao leh.

Unless you tell me it’s the norm??

i dont have mass experience in such thing.

I never seen such a thing except hyflux.
@lowzeewee

 

[rottingapple]

Ya, also female agents taught to show armpits

Really meh if so I must go check it out

 

[fly1111]

I cropped out all the doxxing details. And circled all the important points.

this is a ILP.

3 pointer to make;

Starting year 2017
Yearly premium to pay $2400.0
Value now year 2024 $321.00

surrender value $128.00!
=======================
气死我了！
I STILL REMEMBER CLEAR AS DAY, that BLARDY agent can tell me with a very serious, straight face to me, “ i want to help you save for your future, i scared next time you don’t have saving!!

i put in bank earn 0% interest also way better lor!!!

PUI LA!!!

Keyword ILP

 

[Forever84]

I never seen such a thing except hyflux.
@lowzeewee

Lehman brothers mini bond? Lol

 

[Forever84]

Really meh if so I must go check it out

Yes then to sell ILP they must first go IPL

 

[dambio]

when i was in my late 20's i also signed up ILP for 3 years with an annual premium of around sgd 10k. like you, i lost marniee when i terminated it but unlike you mine was a milf.

Must had charmed u like a charm

 

[Nevereatrice]

I also cheated by chio bu agent when I was young. Damnit . I would have said no if male agent approached me

I admit me too that time just finish ns raging hormones

 

[Dinoboyboy]

Must had charmed u like a charm

i sure did, i think i signed a total insurance annual premium of sgd 16k with her between 2013-2015.

 

[Laneige]

When is maturity
U cut losses early is liked this one

That time one agent v jialat one
Small gas still nevermind
So he went thru n I think another co better so I said give it a miss

then he said v suan thing that I can’t rem now but along the way like curse ppl
V jialat
This kind of ppl also have
Maybe because he treated me to a cup of those coffee bean or Starbucks n time to go thru
But as consumer of course I choose the one with higher guarantee mah

just like those friends that came out to work as agents
If u buy means u r friend
If didnt means not worth their time anymore
This kind of friends cut also gd
Else they will think from yr pov meh
They will worry if next time u can’t pay or this is on top of another policy n u don’t actually need that etc?

 

[Guixianren]

My ILP paying for the last time this year, been paying around $1.3k a year for the past 11years.
Surrender value also less than $3k now. This kind need to wait till the maturity 25years then can see earning. ILP for retirement one if cannot keep so long then don’t touch ILP. Rather do your own investment.

My ILP bought in 2007, terminated in 2018. Was lucky to break even with net 2k but told myself never to buy ILP ever again.

 

[rottingapple]

Yes then to sell ILP they must first go IPL

After IPL for 5 years the hairs under armpit really gone.

 

[mickey88]

ILP is for VERY long term, never expect buying an ILP and surrendering with returns within 10 years. I feel agents need to emphasize this point very very clearly when proposing ILPs. Especially since many ILPs are front end loading, first 2 years or something most of the premiums paid go towards paying the insurance company, after that then all your premiums go into the funds you picked.

I learnt this lesson myself, and first 10 years of the ILP it was pretty miserable until the market moved upwards and I finally was in the black. But honestly I was not looking for something that long-term, had no choice but to hold.

In summary, ILP is definitely not for everyone nor is it always a good choice.

Agreed if u not hard on cash

 

[fandango]

Agent chio or not?

 

[MynameisS]

ILP is for VERY long term, never expect buying an ILP and surrendering with returns within 10 years. I feel agents need to emphasize this point very very clearly when proposing ILPs. Especially since many ILPs are front end loading, first 2 years or something most of the premiums paid go towards paying the insurance company, after that then all your premiums go into the funds you picked.

I learnt this lesson myself, and first 10 years of the ILP it was pretty miserable until the market moved upwards and I finally was in the black. But honestly I was not looking for something that long-term, had no choice but to hold.

In summary, ILP is definitely not for everyone nor is it always a good choice.

if invested in an S&P index fund
Will it beat ILP on longer term ?

 

[weiess]

Please change user id to Money No Liao
ts, take it as lesson learnt.

 

[enimen]

I admit me too that time just finish ns raging hormones

On the bright side, that ILP helped gave me a Citibank savings account. Else low ses goondu me would still only have posb savings now

 

[Laneige]

when i was in my late 20's i also signed up ILP for 3 years with an annual premium of around sgd 10k. like you, i lost marniee when i terminated it but unlike you mine was a milf.

So bui bui agent n milf got what diff
Also lose $

another qn has ppl
Buy such policy for 20 yrs n earn $?

 

[LWZ]

I never seen such a thing except hyflux.
@lowzeewee

can we please close our deal ?

my Hyflux shares for two new rolls of toilet paper.

 

[Laneige]

On the bright side, that ILP helped gave me a Citibank savings account. Else low ses goondu me would still only have posb savings now

Not anyone can open Citibank acc mrh