This is INSANE

2 days back I posted the following on tankinlian's blog:

"Some companies pay TPD via installments. I bet you don't know about that...Do you know how much you loose if you are insured $500,000? Instead of getting $500k, you get $50k in the first 4 years and the remaning 60% in the 5th year.If you get $500k in year 1, just invest $300k and if the return is 9% pa, for 4 years, you'll be getting $423k. That's an additional $123k for you."

This is what the owner of the blog replied:
"Justin Lim's facts and calculations are not correct. I do not wish to engage in an argument with him. I am sure that he will recommend that you pay a higher premium to buy the product from his insurer."

Either his English is lousy or his company's website need updating. (see proof)
My facts are from reading his website Policy Terms and Conditions and he has the cheek to say that my facts are wrong.
Simple calculation like investing $300k for 4 years at 9%, he also say wrong. Alamak, don't think I need to be a CEO to do such simple calculation.