Hi All, I'm pretty noob about insurance so thought I'd ask here.

Basically, I'm looking to get life insurance (still debating between whole life vs term) primarily as risk management. If term, I'm looking at a tenure or ~20-30 years.

My insurance agent is trying to get me to buy ILP. I'm wondering if there is insurance w/o ILP and what the price different would be.

Coverage on death / TPD, I'm looking at around 1 Mil but can consider higher depending on premiums. Basically, I'm looking to find out how much plans would be with no surrender / cash value.