With-Profits Policy

Insurance products become a tougher sell

Investment-linked policies lose shine in market dip

Sunday, 17 February, 2008, 12:00am

Take a cool approach to investment-linked insurance products

Negative equity is a disturbing predicament for many homeowners. Knowing that the apartment they bought is now worth far less than they paid for it is worrying. If it is also worth less than the value of the loan they took out to buy it, sleepless nights are assured.

The situation may be miserable, but not desperate if the property is actually being lived in.

30 Sep 2002 - 12:00am

Demand spurs insurance giant to launch unit linked products

American International Assurance (AIA), the territory's biggest life insurance group, is ready to launch its first unit-linked product.

The company says it is responding to growing market demand while at the same time preparing the ground for a possible unit-linked product range for the proposed Mandatory Provident Fund.

18 Jan 1997 - 12:00am

Warning bells ring on insurance sector

WARNING bells should be ringing loud and clear for the territory's providers of insurance-linked investment products.

The Securities and Futures Commission has received too many complaints about some of the sales tactics being used to dismiss it either as a coincidence or simply poor investor judgment.

11 Oct 1995 - 12:00am

What the advisers recommend

A couple in their mid-40s, one partner employed, requiring fees in five years: Mr Tatham said: 'They invest a lump sum in a series of five with-profits funds that will mature across the five years.

30 Jul 1995 - 12:00am

Investors can buy secondhand policy

INVESTORS seeking shelter from turbulent stock and currency markets could consider a secondhand endowment policy, an investment seminar was told yesterday.

Buying 'used' policies is a new idea in Hong Kong but is increasingly popular in Britain, where endowments are a common way of repaying mortgages.

10 Mar 1995 - 12:00am

The wisdom of cashing in on life insurance

HAVE you ever been advised, or taken the initiative yourself, to cash in an insurance policy? As the average life span of a 20-year insurance policy is less than seven years, there is a fairly good chance you have.

20 Feb 1994 - 12:00am

Cushion against volatile stock market

OVER the last couple of years, we have seen bonus rates fall along with the sterling rate of interest - from 15 per cent to seven per cent - and a fall in bond yields. We have also seen inflation decline from about 10 per cent to two per cent in Britain.

18 Apr 1993 - 12:00am

How bonds compare

PITY the poor marketing people at Connaught. Last week they were offering investors up to 11 per cent ''guaranteed'' for the first year on a With-Profits Bond product by Royal Life.

No sooner had Connaught placed its advertisements when Matheson PFC popped up offering the same product to investors with a slightly more generous first year guarantee of up to 12.35 per cent.

7 Feb 1993 - 12:00am