These few days 2 of my fellow blogging friends Budget Babe and Christopher Ng have commentated on a social complaint on Facebook by a Lifestyle Blogger Francesca Soh firing straight at Prudential Singapore of an insurance endowment PruFlexiCash experience that she is very dis-satisfied.

So much so she is trying to warn others about it.

What she wants to warn is this:

• Advisers can be unscrupulous in telling you some of the returns are guaranteed when the returns are not
• Your adviser may leave the industry, so make sure the adviser will stay on before signing
• She is not happy that, when she calls the insurance company, they couldn’t advise her when is the best time to drop the plan