i also use ILP.. and its fine for me..
problem is unscrupulous agent give unrealistic projection,, with minimum starting premium
if using low risk fund.. get similar to EPF also good liao..

for me since year0 premium paid yearly is >50% higher than the life insurance + medical rider charge.. so touchwood.. now if no pay yearly also can sustain next ~15-20 years, even with medical keep increase

though insurance also mau more untung then yearly e-mail u ask consider revise to higher premium in order to be "sustainable", why bother.. calculate also dont see any such "unsustainable"

This post has been edited by lee_lnh: Sep 10 2025, 08:04 PM

most will advise medical rider portion until 70.
becoz medical will increase with age.. beyond 70 even more drastic.. and will quick become unsustainable unless u yearly paying high premium margin..

even my medical mine also ends 70, but life portion till 100
so after 70 if critical illness yolo la.. juz die and next of kin can cash out the death benefit...