ILP Comparison
Line up two Investment-Linked Policy schemes side by side and see how their projections actually diverge — across Prudential, Manulife, Singlife, FWD, HSBC, and Endowus.
1. Choosing Schemes
Pick any two schemes from the supported list for either side of the comparison. Annual premium and the projection horizon are shared across both sides by design, so you're comparing the schemes themselves rather than accidentally comparing different contribution amounts.
2. Adjusting Assumptions
Each side's assumptions can be tuned independently:
- Projected return rate
- Admin charge
- Loyalty bonus
- Premium term
- Charge years
This is the point of the tool — two schemes with identical headline numbers can produce very different outcomes once you factor in how each one actually charges over time, and adjusting each side separately shows exactly where that divergence comes from.
3. Exporting
Skandage produces a projection chart and a side-by-side comparison table, exportable as a PDF — either a full two-scheme comparison, or a single-scheme report if you only need one side written up.