Unit Trust VS Investment Linked

Unit Trust VS Investment Linked

Savings & Investment

Security measure for your future

Multiple Select

What is H.E.R.O Plan? (can choose more than 1 answer)

• Education Plan

• House ownership Plan

• Others Plan (wedding, vacation & etc)

• Retirement Plan

Learning Objectives:

• Understand Insurance Investment Link

• Understand the ILP Charges & How it Works

• Proper Planning with Insurance & Unit Trust

• Case Study Sharing

Multiple Choice

Investment-linked Policy (ILP) is a life insurance policy which provide?

• Protection & Savings

• Protection & Investment

• Investment only

Multiple Choice

Do Investment Link Policy provide guaranteed cash values?

• YES

• NO

Multiple Choice

The premium for Life insurance, Investment link and Term insurance are high.

• True

• False

Multiple Choice

Only Life insurance and Investment link have cash value and Term insurance does not have cash value.

• True

• False

Multiple Choice

Investment Link product is NOT a pure investment product such as unit trust.

• True

• False

Multiple Select

What are the cost of charges for investment linked? (can choose more than 1 answer)

• Initial & one time charges

• high

• 5.5% service charge

• hidden costs (1-3 yrs: 40%, 4-6 yrs: 20%, 7-10 yrs: 5%)

Multiple Choice

If Alex put a annual premium of RM10k in investment link for 1-3 yrs, RM6k will be allocated to investment + insurance and RM4K will go to all type of charges?

• True

• False

Multiple Choice

If Alex want to buy MLP2 with GTL/TPD coverage RM100k, ADD coverage RM200k and critical illness coverage RM100K, what is the annual premium?

• RM 2,440

• RM 1,830

• RM 610

• RM 1,220

Multiple Choice

If Alex already invested in unit trust but NOT in Public Mutual, can Alex buy Mutual Life Plus 2?

• YES

• NO

Poll

Which Plan Would You Like To Choose?

• PLAN A

• PLAN B

Multiple Choice

____________ in Financial Planning

• Insurance & Investment linked is equally important

• Only insurance is important

• Insurance & Unit Trust is equally important

• Only Unit Trust is important

• Only investment linked is important

Multiple Choice

Insurance and Unit Trust are________ and ________.

• not compliment to each other, not competitors

• compliment to each other, are competitors

• compliment to each other, not competitors

• not compliment to each other, are competitors