And another thing old ILP have very bad coverage.
I decided to shop for Standalone, online, agentless insurance. Bought in on Kaotim and gonna surrender my ILP soon, get the remaining investment portion and put in EPF mayb

Depending on age, for example for Kaotim Medikad there is a chart here https://kaotim.my/wp-content/uploads/2025/0...EN-22082025.pdf

My ILP 2 years ago increased 20%. This year wanna increase 30% before BNM warning. Summore the coverage is very poor.

At least standalone better coverage and current premium starts lower. Yes it will increase almost similar to ILP, but better coverage and lower starting point.

The agentless part. Same la. My agent used to be my mom's fren thats why buy and keep adding rider and stuff. Now she resigned and lost contact d. Some random agent assigned to me, keep messaging me asking me to add more stuff nia.