It is just a saving plan. The protection component can ignore (just 10% of premium paid).
So can only treat it as 零存整富 2.5% with "penalty" of early exit. You can assume it is something that cannot break.
Minimum investment amount is hkd 100k.
the product itself is pretty simple and do not have any tricky term.
So we can compare this with the fixed deposit from either the bank or other insurance company.
Not sure if there is any protection on insurance policy in case insurance company default. If no, need to consider the risk that fwd default (they are Baa2 credit rating now)... anyway, may be too complicated to mention this.
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