For above example, if you also take back all your saving of RM 50,400 then add together with your RM 2,400 x 21 / 3 = RM 16, 800. You are getting a total return of RM 67,200 21 years later.
If you assume a FD interest of 2.65%, you will get back MORE THAN the mentioned return above !!!
And it is not 33% return but only less than 2.65% return !!
Guess what ? Today's FD rate is at 3% and most likely to rise for the next few years.
Take this rule of thumb with you ...
any kind of insurance guarantee return policy will provide you slightly less than FD return at that point of time !!