RETARDED+UNREALISTIC insurance policy by NTUC Income: pay lump sum $2 mil premium at 40, get total payout of $13.1 mil if you live till 120
How many Sinkies have $2 million idling around just to plough into insurance???? How many would even live up till 80, let alone 120 to fully "enjoy" the returns????

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Many things can happen in 80 years, like the PAP being voted out and NTUC dissolved completely......