Considering the product ideal $IJ = \{ \sum_{i=1}^n a_ib_i | a_i \in I, b_i \in J \forall i\}$, I've always seen it written that the more naive notion $IJ = \{ ij | i \in I, j \in J\}$ is not an ideal because in general it is not additively closed and is thus not a subring. I am unable to come up with a proof or any examples.
Any ideas?