By: Adrian Khiat Over the years, I had encountered many clients who had purchased regular premium ILPs. Just the last 7 days alone, I had met 3 and they had something in common during the meeting. All of them were surprised when I revealed the charges to them. I was equally surprised when I get to know that one of them is a regular investor with Fundsupermart. 2 purchased the Prulink from Prudential and 1 purchased the Maxlink from GE. It remains a mystery to me as of how the advisers managed to sell the policy without explaining the charges involved. I like to share with you what are the things to look out for in a regular premium ILP. 1) Premium Allocation This is the most crucial of all!!! This section forms the largest bulk of the charges. It will specify how much of your yearly premium will be allocated for investment in the first few years. Read more...