I have been reviewing plenty of flexible insurance savings plans over the past couple of years. These included GIGANTIQ, EasyEarn, Singlife, Dash PET and each tried to outdo the other when they were launched. Consumers such as myself rejoiced as competition led to higher interest rates and better product features. However, while insurance savings plans are great for their initial high crediting rates and flexibility in making deposits and withdrawals, they have their shortcomings as well. For instance, as their crediting rates are usually not guaranteed, they have been gradually reduced over time. Besides, only a limited quantum of your funds are eligible to enjoy the eye-catching attractive crediting rates. This is why endowment plans with their guaranteed returns still hold immense relevance and popularity today. Here is my review of Tiq’s 3-Year 1.62% Endowment Plan by Etiqa. There is also a limited-time promotion by PolicyPalFA which provides cash rebates ranging from $10 to $80 as well as PolicyPal credits!...