U can only attach a medical rider to ILP? Nope, when I bought my whole life there was a medical rider attached, I took it out after 1 yr as my employer covers me & my family's medical. An agent advised me accordingly (bout buying a medical rider early to lock-in the premium) hence my preception on the matter, the agent trying to earn commision only....

So the insurance co. will deduct the returns in order to offset the premium of the medical rider