Its our job to ADVISE and RECOMMEND. Its up to the ppl to take it or not. And most of the time we are selling our SERVICE. We probably serve you for the rest of your life or our life. It is not a one-time deal. It is a lifetime deal.

U know how much it cost overhead to keep the business running? With petrol and toll rising everyday other month? U know how many errands we need to run?

U keep repeating we are laughing all the way to the bank. Go ahead save all your money in FD. The bank is laughing in their bank.

Dreamer,

For me choosing an Investment Link product will be beneficial if you buy it when you're still young in the sense that you have plenty of time to accumulate your funds for the unit trust. However, for term life to be breakeven, it will take up close to 15-20years.

But for Investment Link product you can see people breakeven less than that.

The thing about investment link product, it is very flexible. You can withdraw the funds anytime you want and you can increase or decrease your sum assured anytime. Meaning,there's no need to buy too many policy.

Anyway, buying a term and put your extra money on FD is not a bad idea, but you have to understand that term life policy only covers you up to 60years old. Above 60 and you're not covered. But when do people fall sick often?

  USA! USA! USA! USA! USA!

1: Investment-linked products VS Unit Trust

2: Whole Life products VS FD

3: Msia Term products VS USA Term products

Life insurance is like having an umbrella. When it rains, the umbrella comes in most useful. But many times when it is not raining, we like to compare whose umbrella handle is more stylish or whether one fabric is more colourful than another. The bottom line, of course, is whether the umbrella is available when the rain begins to pour.

Like ohayogozaimas said, its for a peace of mind. "Death comes everyday to someone and someday to everyone" When a person has made adequate preparation for a foreseeable event in the future,he/she has a sense of peace with himself/herself and peace within himself/herself.

There are people who prefer to worry. Or worse still, take a risk. To be uninsured is the greatest gamble you can take. And its a particurlarly tragic one, for if you lose, its not you but your loved ones who lose"

Why worry when you can insure? In fact, why worry when for a small regular sum ,you can let the insurance company do the worrying for you?