Thanks for your sharing.
It seem like uforlife is quiet suitable for you. You have do some research and study on this insurance. With this online insurance you don't need to find reliable agents, meet up, listen to their pitches, get medical check-ups and many more.

In fact, you should read the article what this blogger wrote. That simply share about uforlife
http://www.kimberlylow.com/2015/08/03/if-y...his-to-the-end/
She did mentioned this
"I think it’s important, no, I think it’s compulsory for every single person to be insured. Most of us have an inflated sense of longevity when it comes to our lives, sometimes bordering on arrogance. But the truth it, circumstances do catch us when we least expect it."
Further more the earlier you buy insurance the cheaper the insurance premium is... Don't wait until too late.
Pity the children have to learn to be independent at young age.
If there is a sudden death of that forumer, with some sort of $$, her children can use the money to tahan education for few years, pay installment or settle for that forumer house that living, or the children can use those money to start up a new business for their new life.. etc
Life is miserable, you don't know what happen next. That why, we have to always prepare for the worst lol.

Somehow if you ask me.. it my opinion - investment and saving is not that important.
I knew someone is using such plan to force themselves to do saving, to do some sort of investment.
Usually insurance tell you 10%-15% when they upsell but end up very low, maybe you end up getting only 2%-3% return.
Rather than paying/saving RM200 per month with such plan, why not take that RM200 monthly to do investment in share, Forex etc.. maybe you get better return. Or you save RM200 per month-- 4 year down the road, maybe with that money you can take those money as up front deposit for house as another kind of investment.