Insurance is obviously a scam .. Been paying mine since 2017 and never once i use itbur the insurer write to me that there will be a hike in premium payments because others are using it casing the pool to shrink ..

What mather faaker reason!

Conclusion:

ILP need to pay yearly fund management fee 1-2%. Return is so so at 3-4% ..

Ignorance people get mislead into buying ILP thinking the Investment can help to offset premium later. They pay a higher monthly fee to cover insurance and investment. Agent also get a higher commission.

The truth is, you can actually buy a standalone and invest the extra money your own way. You can offset the premium in the future using your own investment . Pay zero fee for investment and potentially higher return if you know how.

ILP is just a way for them to make more money. The fund manager charge u 1-2% every year and agent drive bmw.

That one I have no idea. But think about this. ILP usually pay 3-4 times more per month.

The fee is in percentage. So who pay more at the end?

100 x 10% = 10 
300 x 8% = 24

i hope BNM ban ILP insurance 

Regular insrance is fine,  this investment link crap, prob bullshit. And yes, the agent is probably grade a cunt, my mom bought 5 or 6 policies, lol, looks like all are worth shit now.