Reason is simple, talk insurance all run away, talk savings some will listen but insurance policies are not savings plans. No choice lar, kasi goreng.

Many donkey years ago, this kawan baik approach me sell insurance savings plan, talk talk talk, then ask her calculate IRR, she don't know what is IRR, KNS, I calculate the IRR, miserably 3.2%, inflation cannot cover, her answer was why bother with inflation!! got savings cukup lar! Absolute ass hole of an agent. Kawan baik wouldn't put food on my table when i retire.