I have policies not only in NTUC but also with certain other companies. When NTUC suggests they are honest and, therefore, are revealing the yields, can I draw my own conclusions about other companies which do not reveal their earnings? Is there a statutory requirement for publishing the results. If not, why not introduce it? At least I can know how my investment is performing with various companies.

Is it a disadvantage for me to have a life policy with another company which does not publish the yields? And as to 'yields' mentioned by NTUC, what meaning does it connote? Does 'yield' mean the same as 'returns'? Will looking at yield alone to the exclusion of other factors give a true picture? As I have a whole life policy with NTUC which has run four to five years now, what does the publishing of 'yields' for the past and current year by NTUC assure me? If they cannot achieve the yields in future, will they publish their actual yields in future also? Finally is the advertisement by NTUC fair?

N. Nageswaran