Back in April last year, I decide to crowd sourced readers, friends’ matured insurance endowment policies to see how much they are really yielding.

It was a fruitful exercise, with the biggest lesson is that, the average folks probably are not equipped with an internal rate of return calculator or how to go about computing the returns of money going into the policy and money given from the policy.

Due to that, they might see that the return for policies to be lower than what it is really yielding.

This week, I have a reader who has 2 recently matured 25 year endowment plans. Out of all the plans, think I didn’t have 25 year plans.

By right, the longer the duration, the more you should be compensated. And that means the returns should expected to be higher.

Given that in the past the rates of bonds, the major underlying ...