What are the costs for ILP? I was told the cost is around 3-4% per year which is relatively high.

Depends on the ILP. There are modern ILPs that invest almost 100% if not 100% of your money in the fund (could be feeder fund or directly in a fund) and there are ILPs with a "protection" component. Even though I am an agent, I personally do not like the one with the "protection" component because I believe investments and insurance should be kept separate for majority of the people.

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If you are looking at an ILP that invest 100% of your money in the fund, those tend to have a high fee but usually, after the lock-in period of maybe 10 years, the fees would no longer apply. This means you will no longer be charged anything other than the fund fee (fund fee not charged by the insurer but by the fund itself and you would not even see it because the returns of the fund would have taken the fund fee into account).

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If you cannot commit the lock-in period of e.g. 10 years, then do not buy an ILP. If you are investment savvy, do not buy ILPs. For reference, since I am an agent of GE, the ILP (100% invested in the fund) has a fee of 2.5% for 10 years after which, there are no costs. Of course, there is a chance the returns is not as great as doing it yourself (assuming you are financially savvy).

3-4% may only be the fees for the fund managers.

there may be also sales charges, platform fees, costs of insurance, processing fees, selling fees, cancellation fees, switching fees.......

I had an experience of a closed one where the fees add up to 50% of permiums. after 10 years, the funds have not even broken even, and this is in the background of a strong bull market in the last 10 over years. If the person had not surrendered in time, the fees now might even be more than the premiums paid.

think carefully what advantages does the ILP bring to justify the high costs.