Read? Insurance - Enhanced Endowment Policy Suck! (2) This year, I didn't receive any "tulan" announcement of further bonus cut. It seems that bad market condition is temporary over. After paying premiums for the last 15 years, the Net Surrender Value is 95.4% of the total premium paid. It didn't even manage to break even after 15 years. Insurance is really about protection and don't ever let your friendly insurance agents convince you that insurance is a good platform for forced saving and investment. You can't trust the insurance companies to take care of your investment portfolio. If you want better returns, you may have no choice but to get your hands dirty and learn to be financial and investment savvy. ...