You need to dig deeper into details the exact coverage and premium between standalone and ILP, instead of a general statement, in order to compare.

You can't look at premium amount alone to determine ILP situation, its proportion that goes to investment as well as projection of return may affect the ILP.

Please be reminded, now may be RM30 addition, but it is not guaranteed to be extra RM30 in the future or forever.
Premium or cost of insurance may go up a lot in the old ages.

Even the parent bought the medical insurance at young age, the medical insurance also may also quite high when come to age beyond 70.

Medical insurance / cost of insurance of a few thousand at the range of 5~10K range is almost inevitable when come to this kind of age.

Investment linked generally is a long term commitment plan.
For fresh graduate, generally they won't have much disposal income, so priority should be saving as much as possible for emergency fund.
Investment linked premium is way higher than term/standalone insurance because large portion is channeled to unit trust investment which may stress out a fresh graduate monthly cashflow.

Since has no family yet (I presumed for fresh graduate), and no financial dependant on you, life insurance doesn't serve much purpose, may be except CI illness protection.
While if working under employed there may be some company covers this area as well as socso does provide certain protection on this matter.

Prioritisation needs to be considered, getting too much or redundant insurance may not do good for personal cash management as well.

Ordinary sickness or those general outpatient sickness, generally medical card is not covering.

It is not like you have a medical card, you can go to hospital totally free.
It is important to read and understand your insurance policy, what is covering, what is not, and whether there is co-insurance or not.

That's why I always reiterated, please don't have a mindset that I have xyz medical insurance already, I don't need to worry about my medical cost, insurance will take care all.

Generally medical insurance has 120 days waiting period, so if it happens after 6 months you had bought the insurance, then it is eligible to claim.
No such thing of within 2 years, insurance won't allow you to claim.

Even you had bought a medical insurance at 18 yo, premium will still rise to a high level when you reach 69 yo time.

Medical insurance premium is correlated to your age, not when you bought.

I have a medical policy for decade or may be decades already that bought at young age, premium has risen more than 100% over the decades, and if I get a new policy now with the same company, the premium just a little hundred plus pa more only.
While if I switch to another insurance company, with the extra hundred pa, I got better annual/lifetime limit than the existing plan.

The so called "cheaper" buy at young age, is not significant at all.
Whilst, sometimes, newer plan may have better offer than old plan as well.

No matter how, medical insurance premium will still rise significant when aging, as insurance is not a charity to start with, they determine premium level based on pool of fund vs claim in their statistic, not whether one has bought the insurance for 10 years or 20 years.

The good about buy at young age is more about eliminate pre-existing illness that won't be covered if bought at old age, (generally you have little illness when young), and get coverage earlier.

Not a good word especially come from agent speaking. No offence.

Also, this has nothing to do with standalone vs investment linked.

Every insurance has its own term and condition, be it term insurance or investment linked.
You can't simply say you believe ABC investment linked has no such term.
Either ABC insurance has such term or xyz has not only. Not whether "believe or not".

That's where potential dispute may come from in the future, and claim "insurance cheated" but in real fact, insurance never cheat, it is clearly spell out when being bought about its term and condition, and right of insurance to impose co-insurance or raise premium for the future.

Insurance agents always need to highlight it properly, and exactly those potential clauses.

Also, even one particular investment linked may have no such co-insurance imposed, it doesn't mean the cost of medical insurance portion remain the same for the future for the particular insured.

You can't compare like that.

Every insurance may have its own term and condition/clauses differently, especially you have highlighted there is a portion of investment (aka investment linked).
The portion of allocation of investment vs premium can affect greatly how the insurance will be.

Kid doesn't need a life insurance.
Life insurance is for the financial pillar of the family, whereby you insured against the loss of financially if the bread winner died or cannot generate income to the family.
This is a life insurance for.

Read my statement properly.
Life insurance is needless for kid.

Even if you have 1 mil life insurance, life insurance is not going to pay a single cent for those medical bill.

It will never enough.... (I am not agent)

Be assure what is "unlimited coverage" definition to start with.
Insurance is a profit orientated business to start with, they won't do losing business.
Once too many people claim the so called "unlimited coverage" insurance (which I doubt insurance company will put such a blanket term in the first place without other clause to limit it), your annual premium also may be raised as well.


Remember insurance is run based on the basic of pool of fund that being used to pay those "unfortunate" one.

The first and foremost is the breadwinner get the adequate insurance first and adequate coverage.
So review whether the breadwinner already cover in the first place.

Education insurance is more like saving plan or a forced saving mechanism only, the insurance won't ensure the amount is sufficient or not for the future. You buy more, ended more, just like you save more, you ended more.
But one thing good about it, is that it has tax relief up to RM3k pa.

The mindset shouldn't be either win against insurance nor lose in between.
There is no such thing of worth to buy an insurance or not.

It has a lot to do with income level, disposal income available, aka affordability.

Agent can be switched around or engaged anytime, just get the one best serve to you.
Details about insurance are easily available across nowadays, never blindly trust anyone except yourself.

But from my experience, agent tends to MIA after bought...
and emerge again when want to persuade to top up or buy new insurance...