yep, as you already said, we buy insurance as a protection expense, not an investment product. But many agents are pushing it as an investment product, even ask you to buy additional investment riders so called to cover your COI increase. I hope you can feedback this back to your colleagues that this is very bad unethical practice.

My principle is this: as along as there are units to deduct, then deduct those units, don't come to ask for more money from me. You can inform me of the projected sustainability, but never force me to put in more money just to maintain the sustainability, let me make my own choice