Jan 13 2024, 03:55 PM
QUOTE(brokenbomb @ Jan 11 2024, 09:16 AM)
No.. haha. it is standalone. Almost 30%
ILP only 15-20
Some agents actually don’t care if u wanna buy standalone or ILP. And some agents are pushing u to buy standalone because later in life when u thinking of adding life or critical illness. They will just ask u to buy a new plan. Life 1 plan. CI 1 plan.
The beauty of ILP is that u can delete add on rider and still keep the policy. Maybe waiting period la need to start Balik. But other than that. ILP is ok.
As for the sustainability. Ask ur agent to choose the lowest risk funds as to not oversell the returns. I know some companies can promised as high as 10% per annum. Gila.
You are one of the few alert insurance policy buyers. Some ktards insist on buying standalone 'because' they assumed it has lower commissions and ILP are scams, they have not seen the commission rates in the proposal/quotation.ILP only 15-20
Some agents actually don’t care if u wanna buy standalone or ILP. And some agents are pushing u to buy standalone because later in life when u thinking of adding life or critical illness. They will just ask u to buy a new plan. Life 1 plan. CI 1 plan.
The beauty of ILP is that u can delete add on rider and still keep the policy. Maybe waiting period la need to start Balik. But other than that. ILP is ok.
As for the sustainability. Ask ur agent to choose the lowest risk funds as to not oversell the returns. I know some companies can promised as high as 10% per annum. Gila.
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