When the keyword start with Insurance , surely it is < Investment
The main purpose of Insurance is protection, the investment embedded inside is just an another extra feature
Even the saving plan also come with protection
But why people just like to narrow up the Investment > Insurance ?

You guys have the skill / knowledge to roll your $$ into greater earning type of investment like stock/forex/unit trust ...But not everyone does right?
If something happen ? Accident ? Critical illness? or even death ?
Did your stock/forex/unit trust have an auto play feature to help u to grow the money itself?
Did your stock/forex/unit trust pay you the medical bill / illness / allowance ?
This is the uncertainty that the insurance took place to help

Of course in term of investment, none of any Insurance company would provide any product that can > stock/forex/unit trust
but what Insurance company can provide is that when something happen on you, your little Investment inside the plan would help you to grow

but frankly, those hard sell insurance agent really damn annoying