Yes, Cause insurance company's forte is not in investment. Those agents only want commission so sell insurance, what do they know about investment? Keep for long term? lol, easiest excuse given.

Insurance and investment are two different things. When you mix them up, they won't hold responsible if investment is good or bad. Usually investment return is bad.

Hence, keep insurance as insurance. And only get the insurance you need.

general practitioner
means clinic right???