A foreign professional came to work in Singapore She worked hard and saved a large part of her salary to be used by her husband in building his business later on. In the meantime, she wanted to invest the savings. An independent financial adviser sold her an investment-linked policy designed for high net worth individuals. The adviser deliberately removed certain information about the charges in this policy and lied to her about the charges. After saving for 18 months, the policy started to take away a  high monthly charge. She learned for the first time about this high charge, which would be taken away from her savings for the rest of the future years. If she terminate the saving plan now, she would lose more than 70% of the savings. It was quite heart-breaking. She told me, "Mr. Tan, when I first came to Singapore, I was impressed with the ......