want to ask on the allianz ILP,
what is the list of fund available?
I check the website and seem like some are inactive/unavailable.
thanks.

is this called single-premium ILP??

I check before, too bad cannot attach any rider (no medic, no ci, no pa), and still charge 5% and monthly fee as the regular one
anyway, I do see it useful as non-traditional saving plan which linked to IL unit performance.

btw, last I check, I can only assured for how much lump sum I put,
really can just lump sum 10k, then ask for 100k life assured

never heard of such plan,
could it cover death, disability, ci??

sound to me like a target date saving plan, that planning to leave 1mil for family and use this to save up the money...

anyway, I dont see it much different than getting a typical regular ILP, that put the same lumpsum money and then ask for premium holiday:
- regular one got flexibility for ci, medi, pa, or just plain life as the one you mention
- regular one charge lumpsum fee same as the one you mention
- regular one can have premium holiday on and off by request (should be at no cost)
- regular one can start with large sum insured(?) then yearly reduce it manually for free

unless there is a limitation on the sum insured from regular ILP,
I will update my existing ILP for such purpose, as both plan introduce monthly fee and better consolidate into one.


I am still try to understand on these ILPs, if you can show me such non-regular premium ILP that support medi, early ci and pa, I am interest to know more

p.s the fee charged on lumpsum is as much as I paid for unit trust investment from local reputable company, since ILP plan does not advice me as the UTC do, could any one suggest to ILP company to reduce these lumpsum charge?

This post has been edited by asimov82: Feb 10 2017, 11:50 PM