Long story short, had a bad history, I am on 2 Global Wealth Advance 101% ILP. Both cross the 5/25 Year mark. charges are high and in long term it is going to eat into my profits. What should I do?

Cut loss and move on.

Avoid ILPs at all cost. Super high fees and many layers of fees within. Everyone in the pipeline gets a cut from you, and you are the goat at the bottom getting slaughtered by fees. Fees are critical as it reduces your returns significantly

only good for your adviser because they earn about 50% of the premiums you pay as commission, rubbish product

The thing about ILPs is that it is very adviser driven. So if your adviser is actively monitoring the port for you and the returns can cover the fees plus earn a decent return, then well and good.

If not, you need to consider the possibility of pulling out and channelling into something else, especially if you are savvy enough to invest on your own.

Food for thought on use of unit trusts / mutual funds as an investment vehicle - https://www.tonyrobbins.com/wealth-lifestyle/5-...