Tag Archives: investment linked policy

ILPs Have A Bad Rep

Much has been reported about Investment Linked Plans. In my 10 years of financial advisory work, only 2 clients have requested for such a plan. The Business Times, April 12, 2006 – What Clients Are Not Told About ILPs The Straits Times, June 13, 2005 – Avoid ILPs, Case Advises Older Investors The Straits Times, May 24, 2005 – The Low-down… Read More »

ILP – A Ticking Time Bomb

“Insurance ‘Time-bomb’ Set To Explode” This Straits Times article title caught my eyes way back in Feb 2005. A regular premium investment linked product (ILP) combines insurance with investment (unit trusts). The underlying investment risk is born entirely by the insured. This means that returns are subject to market volatility and hence, not guaranteed. Why then… Read More »

ILPs and Escalating Insurance Charges

I have many clients whom have bought regular premium Investment Linked Plans (ILPs). All are unaware of the escalating insurance (or mortality) charges as they have never been informed of these charges when they were sold the plans. So, you can imagine the disbelief on their faces when I explain to them the impact of… Read More »