A good endowment policy

Someone asked, "what is a good endowment policy available in the market?"

In my view, a good endowment policy has to meet all of the following:
a) has a reduction in yield of not more than 1%
b) distributes the bonus based on the asset share principle
c) can provide a net yield of at least 3.5% p. a. based on the current environment

I believe that none of the endowment policies in the market meet the above criteria. I hope that some insurance companies will introduce a good endowment policy in the future. They have to reduce the commission payable to agents to achieve the "reduction in yield" target.

However, if any person, including insurer or agent, considers that a specific product meets this criteria, please send an e-mail to kinlian@gmail.com.

Tan Kin Lian