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About this webinar

If you had ever bought a whole life insurance, children education endowment or retirement income plan, chances are, you own a participating policy. A participating (par) insurance policy provides guaranteed and non-guaranteed benefits. It allows you to share in the profit of the par fund which come in the form of bonuses or cash dividends.

But do you know how they work, especially if you are paying hundreds of dollars per month in premiums?

Don’t be kept in the dark anymore! Join us for the first in our series of four webinars aimed at helping you demystify insurance policies so you understand them better. Learn if par policies fit into your financial plan and how the reduction in par fund projections by some insurers from 4.75% to 4.25% might affect you.

Some topics covered include:

  • What are participating policies?
  • How will these policies be affected by COVID-19 and the current low interest rate environment?
  • Is there a role for participating policies in your financial plan?


  • 19 May 2021, Wednesday
  • 7pm – 8pm

Webinar link:

The zoom link will be sent to your email upon registration
(Note: This webinar will not be streamed live on our social media)

About the speaker


Albert Tan, CFP®
Financial Literacy Trainer, MoneyOwl

Albert has over 5 years of experience in the financial services industry specialising in retirement planning.

He believes that every working adult should be empowered to make wise money decisions easily and confidently. And financial literacy is as important as a good education. Having served clients in various capacities from a personal banker to financial adviser representative, he understands that different people view money differently because of their personal and past experiences. He hopes to make financial planning digestible and actionable.

Albert is a Certified Financial Planner and holds a Bachelor of Commerce degree and a WSQ Advanced Certificate in Training and Assessment (ACTA).

We seek your patience as we update our product database for whole life, endowment and retirement income plans to reflect the latest illustrated rates of return. Enquire with us for more information on the latest premiums and projected returns.