well many people still put money in the FD, why?
With 3.7% people are keeping hundreds of thousands in it . . . . its the safest place to put ur money

Another point is many people are not well educated in investment such as share market/unit thurst/forex & etc
buying an Investment-link policy definately will give them better returns for their savings for long term.

well from my point of view,  buying an Investment-Link policy

Transparency – Unlike the traditional policy such as whole life or endowment plan, an investment-linked policy reveals all your premium allocation clearly. This is what I call transparent policy – you can actually understand and see where your premium is used. Policy holder will receive a periodic statement that clearly and precisely lists all the premium allocation, relevant insurance charges, investment value and fund unit price. I owned both Prudential BSN Takaful policy and Prudential investment-linked policy. Prudential sends the report once a year. Besides this report, you will also get the investment-linked fund performance report annually. If you didn’t get the report stated above, please contact your agent. There is something wrong somewhere.

Low insurance charges – For fresh graduates, age around 23-25, it is normal for them to seek their first insurance agent and also the first insurance policy. When you are young, insurance charges are very cheap. Investment-linked policy calculates the insurance charges based on your age. They use a mortality table and clearly provide the insurance charges table in the policy. This means you can purchase high coverage with low premium when you are still young.

Flexibility – Once you get older, promoted, married, have kids, your protection needs eventually increase. When you retire, your kids are independent, your protection needs eventually decrease. Looking at this circumstances, investment-linked policy provides the flexibility to increase or reduce the premium, include or exclude certain coverage rider, supplementary benefits and sum assured. Put it simple, you can modify this policy whenever and however you want it to be.

All-in-one benefits – All sorts of coverage can be included into your investment-linked policy. This includes accidental benefit, hospitalization income benefit, living assurance, critical illnesses benefit, health card benefit, lady care benefit etc. Almost all available protection riders can be included. You will find it easier and cheaper to have one insurance plan that can give you all the possible benefits you need.

You control the investment strategy – Did you ever think that investment-linked policy is risky because it involves investment? Actually, you have the right to control the risk you can bear for your investment. You can choose which fund to invest, which strategy to use, which portfolio allocation to apply, and even when to do the switching from fund to fund which is normally free of charge. If you are skeptical about investment risk, just put all your premium into a fixed-income fund or bond fund.