What's your purpose of buying it in the first place ?

then why not just for a saving product? or maybe 70% pure saving with 30% on pure insurance product for your coverage need?

Oh ya, if you're focusing into just pure savings, depending on your volume of savings, there are guaranteed 4% fixed interest deposits (renewable every 2 years). If you're willing to put longer term, they could give up to 4.29% ~ 7.89%