Normally people who have started working with not much cash to spare will buy investment link policies coz we have some protection and at the same time, we are saving money. Just take the investment link as a saving program, though we need >6 years usually to see break even and later earn profits. This is becasue during the first feew years, part of our premiums paid went to the charges and commission. But after some years later, the insurer will invest 100% of your premium into investment, plus another 10% bonus from them.