Why do people still buy Investment Linked Policies. Don't they see the mortality charges increase with age, high surrender cost, platform fee, and tons of other fee together mortality charges?

Likely the sum assured coverage but it is death or TPD . Anyways, the FA mentioned coverage can Rediuce as aged?

Don't they see the mortality charges increase with age, high Surrender Cost, Platform Fee, and tons of other fee together mortality charges?

most consumers dont even know all these things and the seller will not want to be transparent with it.

they are misled by the sellers.

ilps are rubbish products, low coverage and non-guaranteed returns for ridculous high premiums.

better avoid!