Investing via insurance vs robo

Due to family commitment, I do not have luxury of time to DIY. Furthermore, I am worried about jeopardizing DIY investment due to amateur knowledge. With the intention to hold at least 15-20 years, 150K on hand and do not mind paying fees, I am looking at robo advisors. I also spoke to my long time advisor, he recommended ILP such as smartretire. When asked about robo, he said I could try but I have to manage it actively (is it true? maybe if he encouraged it, he would lose the commission of selling ILP?). To the gurus, should I go for robo or IPL? What factors should I take into consideration? TIA!