ILP benefits agent more yes, it's quite obvious, IIRC agent take like almost 30-40% of the premium as bonus first year then reduce 10% every year

that's why agent always ask you to renew insurance (top up/etc) so they can continue get bonus from your plan

but I don't mind paying my agent la cause she is really helpful
already help my family many times, handle 0-100 for us even come to us to collect receipt for claim, and we already claimed like 5-6 times (clinic, hospital also got)