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Investment Linked Policy vs Other Insurance Products
A very popular topic which many have many views on and today I will like to share my personal views on this. In the past before I even step foot onto the industry I will condemn Investment Linked Policy (ILP) because I dun really understand them and the agents who sold me such products were unable to explain why do I need such products. In fact my understanding of insurance at that point of time is "Buy Term, Invest The Rest". However after I studied and learn the various concepts on ILP, Term, Endowment and Whole Life insurances I manage to see the linkage between the various form of insurances and I will like to have this chance to share it with you. The truth is that all insurance policies are actually Regular Premium ILP. Yup believe it or not that is how insurance companies actually make money and have the resources to pay out all the benefits. The only difference that Term and Participating products (Endowment and Whole Life) camouflaged it while ILP simply show what insurance companies do. Also consid
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