To be very honest, I am tempted too, even up till now. There are plans with up to 200% bonus (highest I've seen). Human connection > robo anytime. Somemore "Free" money leh. Boost your gains if markets going up or cushions your losses if the reverse happens. In terms of fees, are you sure the only fees you are paying is this 2.5%? Whatever funds you choose to invest in, they have their own fees which anyone who buys into will have to pay for. So on this, you are already losing out to those who buy directly through their brokers. Did you check for Any other admin/ maintenance fee? You also need to be aware that these fees also compounds. Any withdrawal/ top up fees? Premium holiday will still deduct fees from your accumulated units to maintain your account. However, if you really think about it, when you invest, the plan is to buy into something (stocks, bonds, ETFs etc), hold long term for compound interest to work. For ILPs, the break even year is ~year 15, and that's on assumption an 8% p.a. returns on your investments, after accounting for all the fees, you haven't even profit! If you want to profit, you need to hold onto your plan even longer. By then, will your agent still be around to continue servicing you, to advise to switch to another fund, if required? You still need to do your own research. After spending time looking at the suggested options from your advisor, Are you just going to agree with your agent? If you lose money, are you going to then blame your agent or take accountability for your choice? Remember, past performance do not guarantee future performance. Markets move up and down. Fees are guaranteed whether or not your investments gain or lose. If your units are insufficient to pay for these fees, your account will automatically close and you essentially have lost all your investments (I think. Pls check) Actually what really stopped me from buying the ILP from my agent is because one only contacts me when there are promos for insurance to buy but did not really explain in depth the policies hence I always end up canceling it but I can't lose contact because my health insurance is there lol. My other agent actually told me there are cheaper options out there so ILP is really for those who are able to service and hold onto the plan long term but likewise, she is unable to guarantee returns although she kept saying is possible. But anything is possible right? :) So I looked into robos as their fees are smaller, smaller minimum amount, and no lock in period. This gives me time to do my research and eventually deciding on passively investing in ETFs aside from my robos (but disclaimer, I haven't started on ETFs yet haha) Anyway recently there are other questions by others in Seedly regarding ILPs. Do read through their replies (from agents themselves and other folks like me :)) before committing to this ILP. All the best in your decision!