Advice from my blog and website

Hi Mr. Tan,

I have been reading your articles on the high costs of whole life insurance. Could you help to comment on the below quotations from Income for a 10 yr and 20yr Vivolife policy? I would like to know the explanation of distribution cost and effect of deduction using the below.

(Details removed)

REPLY
My advice is given in my blog:
http://tankinlian.blogspot.com/2008/09/advice-on-vivolife.html

Please read my blog and website for the information:

http://www.tankinlian.blogspot.com/
http://www.tankinlian.com/