Low yield for a 5 year investment

Dear Mr. Tan,
My mother is thinking of buying a 5 years insurance plan with a single premium of $10,000. She is still in good health and the reason she's buying is to get safe returns that are higher than the bank interest. I've attached the
benefit illustrations and hope you can give your view on this.


REPLY
The non-guaranteed yield varies from 1.55% to 2.8% p.a. for 5 years. It is rather low for an investment that is locked up for 5 years. However, I am not able to suggest any better investment.  Let me post this in my blog and see if someone else has better suggstion.