Dear Mr Tan I will like to ask you on your opinion on Single Premium Heritage plan from Manulife Financial. Please advise if it a good plan for investment. REPLY I find the policy to be quite complicated and not easy for me to understand. My advice to you is never to buy a policy that you do not understand, especially when you are putting in a large single premium. It is the job of the agent to explain the policy to you. As the agent can earn a big commission by selling the policy to you, you should be wary that the agent may not tell you the full picture, so you should not invest your money until you are completely satisfied and has verified the details. I saw that the distribution cost (i.e money taken from you) is more than $100,000 and the effect of deduction could ......