Southern Cross Botswana is supposedly an "independent" financial advisory company, although when you're just offered ONE option...can you really call yourself INDEPENDENT??
I was forced into a VISION savings plan in 2011 for $200 and, when I had a look at charges and read a bit more, I realised that the first two years I'm just paying charges, and probably their commission !! Bunch if policy hawkers if you ask me, nothing more !!!!!
When I took up the issue with the female manager, I was merely told to read the fine print, all good an fine when they coerce you to sign within 3,4 days. I barely had time to read the pamphlets properly. I wanted a savings plan, but now stuck in a 25 year plan, when my friend advised me that multiple plans of 5 or 10 years would've been most cost effective and better for me.
Stay away, very deVere style tactics these baboons employ. I'm not saying its everyone, or the actual product but I guess its the same as many others I've read about. Its obviously just about the commission for these leaches that force you into the longest term possible with clever sales tactics.
Review about: Savings Policy.