If for non-participate plan or non-ILP, we can buy online and it will super cheap when you young, furthermore no agent commission, get rid of all the agents interferences, what's more is every insurance company in Malaysia have their online product, but we need to prepared ourselves the steep increase of premium when we becomes older, but if calculated the premium in details, non-ILP still worth as compare to ILP in 2 conditions:

1st 0 agent's commission - in ILP agent commission can reach up to 40% first or second years, thereafter in the reducing % up to 6 years.

2nd if you are an investors, why you want the insurance company invest for you while you can do it yourself, but even if you are not investor putting the capital in FD can generate you risk free 3-4% per annum, compare to insurance funds giving back 2-5%, and many times you even repay back your fund's capital due to investment loss.

Of couse non-participant plan we have to run ourself when comes to claiming because no agent will do it for us due to we don't pay agent's fees. That's reason I always advise don't buy medical insurance with non-participant plan, we need agent service us when we sick, or laying in the hospital.

As for life insurance or pa, there is no reason why we take up ILP, when comes to claim this is our beneficial job and it's one time claim process, just leave the job to them and they will compensated with our insured sum, we don't need agent involved.

As for illness, this is maybe one time claim process, and possibly second or more claims due to different insurance company has different type of coverage, e.g. early/intermediate/late stage, some even have multiple illness coverage. Depend on how we expect the claim service we want, for me I don't mind and i will anticipate the most claims I will have is not more than 2 thus I choose non-participant plan.

We have also needs to prepare ourselve premium increase for non-ILP plan, insurance company will increase anytime depend on how they access the insurance fees, in certain age there will be a large gap increase.
Then in this sence will ILP will be good? Actually they are the same, just that we pay it now or pay it later, depend on how we mentally can accept the large increase of premium later. ILP we need to pay off the commissions to the agent, remember this is a huge amount 6 years commission, please do not think insurance company pay them, commission has fully factor in our premium, so you will see the funds value for the first few years are very slow.