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hi guys welcome back to my channel kelly here if you have met up with an insurance agent before you will most likely have heard of something called investment link plan or ilp chances are he tells you that its a good insurance plan that comes with investment but you dont really understand what hes saying and you still sign up anyway a while later you decided to check out what everyone thinks of lp and to your surprise everyone hates it the ugly truth behind ilp why i cancelled my irlp why we dont advocate iops why irps are so in this video i want to explain what is iop what are the benefits and why so many people hate iop then i will share my thoughts on what i think about it but before i start i would greatly appreciate if you can help to tap the like button in return i will show you a cute dog also this video is sponsored by planner b but more on that later okay lets first understand what is iop basically its like this you got a life insurance you got an investment you got il