05 Oct 2020
Apparently according to my agent, this TM ILP is different from the usual ones that combines insurance coverage and investments.
This are what we call 101 ILPs. They basically invest your premiums fully and the death benefit is typically 101% of your premiums paid. If you are comfortable with an advisor managing your portfolio, then thats a good platform. The key thing is to know how your agent manages the funds and the performance of the funds. You can typically know the funds performance on their website. The ILP is as good as the funds invested in.
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