I will be having a talk covering various instruments available for retail investors, how to determine quickly the quality of selected stock, and ways to safeguard your profit and protect your assets. 

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If you have an Participating Life Insurance policy, you would receive an annual bonus statement that provides an update on bonus declared for this year and the total accrued bonus so far.

In this article I highlight what are the important segments to zoom into and the key info to be gleaned from a bonus statement, using my own Tokio Marine policy.

But firstly, lets understand what is a participating policy and what it entails.

Participating Life Policy
A participating life policy has an investment element that offers policy owners potential of higher returns through investment, besides standard protection.

This is done by ‘participating’ in the growth (hence ‘participating policy’) …