Morning Grace! Financial adviser from PIAS are not able to offer policies from Prudential and Great eastern so therefore a IFA may not be able to offer them even if the product is good. I am representing Great Eastern. if you want to do a product comparison I can help you to do so.
ILP is a whole life plan. Thats why I mention pay forever. How ILP work is by using the long time horizon to get returns. Recently I have been doing a lot of family portfolio what I realise is that parents always want to provide the best for their kids but they have neglected their own coverage...
At the end of the day, agent service is the most important. No one can predict the future returns. Everything on the policy document is projected. When purchasing any policy u need to ensure that the agent will be there for you. The combination of having an ilp and pre natal cover is good. But...