From the example on DBS website, it is a 2yr premium payment plan. Total duration of plan is 10yrs. Returns is only abt 3.01% based on the example they provided
If you have a horizon of 10yrs, i rather u take up etiqa direct endowment which potentially could give you up to 3.2% for 9yrs plan or 3.8% for 11yrs plan. Besides, yearly premium wont be as painful as the manulife