A visitor to my blog commented that he had to pay 20 months in front end charge on a ILP policy. I do not advocate ILP with such high front end charges.
There are ILPs with lower charges in the market. You can see a listing from Dr Money's website.
The sophisticated investor can adopt the "do it yourself" approach and avoid all front end charge. For the majority who are not so familiar with investment, you can find an ILP product with modest charges, and enjoy the benefit of an adviser.
You can also deal directly with the insurance company. NTUC Income has a business center.
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