advice on investment options

hi all, need some advice with investments. i am 23, graduating from uni next year. i have limited knowledge and time, have just started out investing.

i'm able to invest 500-1.5k a month. my current plan is to DCA maybe 1k into CSPX via ibkr. i've been working with a FA who has recommended aia pro achiever to me. he explained that such an ILP is more suitable in the long-term compared to ETFs: - 3.9% platform fees are front-loaded for first 10 years, then 0% afterwards - 5% bonus from 10th-20th year, 8% bonus from 21st year onwards - while fees for ETFs would continue and can be quite significant when i have invested a lot in the long run (e.g. 1% of 3 million is 30k annually) is this true? on second though, i feel like it would be the same since aia funds have management fees too (that are actually higher)

imo, it makes sense since im investing in the long term but 3.9% is really high. or should i look into what funds they are buying and buy those directly? any advice/opinions are appreciated!

if you have any recommendations for long term investing, please share as well!