For those who remembered NTUC Income's Capital Plus will recall its superior guaranteed returns? I remembered that it was so quickly snap out that I didn't even have time to put my own money. Now, NTUC income's Capital Plus is back. For single premium $30,000 and above, the guaranteed return is 3%pa of time horizon 2 years. Unfortunately this time round, it comes with a string attached. The adviser must sell either an equivalent single premium Flexlink or an equivalent sum assured PayMyUni in order to be able to sell a Capital Plus. The two products don't need to be sold to the same client. This means that if thea adviser sells a PayMyuni to Client A, he will be able to sell Capital Plus of single premium equal to the sum assured of the PayMyUni to Client B. Client A and Client B don't need to be the same person. So now in order to sell a good product, the adviser must sell a lemon. How low can the industry gets? No wonder nobody respect the insurance industry.