Why do some people regret their ILP after a few years?

I’ve been seeing people say they regret getting an investment-linked policy (ILP) after a few years, while others are perfectly happy with theirs.

For those who have one, what made you feel it was worth it or not worth?

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timo

12h ago

Investment-linked policies (ILPs) are one of the most hotly debated financial products. They combine insurance protection with investment, which sounds great in theory, but the reality for policyholders often depends heavily on time horizons, fee structures, and financial discipline.

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Kent Toh

2d ago

Consultant at Sprinklr

Its just part of growing up

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My Sweet Retirement

2d ago

I do not like ILP. Prefer to keep investments and insurance aside. Otherwise go for Endowments where returns are guaranteed. having said that, read the terms and conditions properly as sometimes insurance companies embed fine prints inside the terms and conditions.

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tinycents

3d ago

ILP got many kinds sia, the man on the street probably don't understand ILP in depth. Best ILP for me is those with CI coverage and death coverage is not affected after CI claim. So after claim CI, I still have death coverage. If premium waiver is added then lagi best, future premiums all paid for. I get free death coverage and my investment will keep growing.

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I

Edited 4d ago

I had both ILPs. Tokio Marine go treasure and HSBC life pulsar. Both of them have much much lower RO...

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