life insurance is to provide your dependent coverage
it's only covered when someone is death or diagnose with TPD ( total permenant disability

for personal coverage it's important to have a medical card/crictical illness as we know the medical bills are sky high nowdays

dont get mix up
the min is guaranteed. However, the max is not. Why? Because it is a livestment link, it can gove you more return compare to Life insurance(fixed 4~5%). U wan more, then u need to take the risk.

Investment-link does not guaranteed any percentage of return. . .  normally insurance company project a lower returns compare to the actual
fund performance to the clients. Only endowment plan provide guaranteed returns for 3-4% + dividen declare on yearly basis depending on company performance.

Worst case senario A: If Samy Velu is to be Malaysia PM tmr, RM1 per unit drop till RM0.5 cents, initially your savings/investment from
RM10,000 will be RM5,000.  Dont worry will not happen 

Senario B: Over a 3-5 years period of time, if the unit price increase from RM1 per unit to RM1.50, initially you gain 50% from ur savings/investment