Guaranteed vs Projected Gap Calculator
Enter the numbers straight off your Benefit Illustration and see exactly how much of the projected total is actually contractual -- and how much is riding on the insurer's future bonus declarations.
Your numbers
of the illustrated total is not guaranteed.
This is a simple guaranteed-vs-illustrated comparison, not financial advice -- always work from your actual Benefit Illustration and check current CPF/SSB/T-bill rates too.
How to use this
Pull three numbers straight off your Benefit Illustration: total premiums payable, the guaranteed maturity value, and the illustrated total at the upper scenario. This tool annualises both the guaranteed and illustrated figures so you can compare them like interest rates -- and shows what share of the illustrated total you're actually being asked to trust the insurer's non-guaranteed bonus for.
Want a licensed adviser to walk through this with you?
Continuum doesn't sell products or give financial advice -- we just help you see where something sits before you talk to someone who can. Leave your details and we'll pass your enquiry to a licensed financial adviser in Singapore who isn't tied to any single insurer.