This is what i found after searching info on SJP.
andrewhallam.com/2016/03/singapore-expat-should-you-invest-with-st-jamess-place-international
They are charging 2.55% fee, lower than other competitors (e.g. insurance and bank in SG usually charging 3-5%), surrender fee also much lower.
Though you can always buy low-cost ETF directly which accumulate better return over long term.
Look at the comparison of long-term return between ETF against other funds here:
blog.seedly.sg/why-you-should-buy-a-low-cost-etf
Thanks ST!
My friend works for the Singapore branch here and approached me to consider the products. Hence, I needed to find out more information..