The investment performance of the ILP is very important. If there is going to be a major investment loss, the future coverage is going to be jeopardized because insurance cost will exceed premiums in the future. When that time comes, the cost of insurance in excess of the premium will have to be funded by the investment value of the ILP. If the investment return of the ILP is poor, it implies that there is a high risk of the ILP unable to sustain.

Although the life insurance agent is not required by regulation to monitor, it is necessary to monitor otherwise the coverage of the ILP is at risk. I advice all who bought ILPs to ensure that they review the performance of its funds with the adviser perhaps once a year or once in two years. It is actually quite simple. Just print out the latest statement of the existing asset allocation and email to your adviser.