life insurance normally u can get back ..

for example .. currently Maybank have a new life insurance skim,
Lets say u pay 100 per month, and u r 21 this year.
The life insurance will last till u r 88 yrs old, and u need to pay 100 each month till u reach 55, each 3 years the bank will pay u back 1550bucks.
all u need to do is pay till 55 yrs and bank will pay u back till u 88 yrs old.

thats where u get back ur money, and there is also a guarantee money back of RM31k ++/--.

hope u understand .. haha ..coz i just start paying for 1 few weeks back ...

ps: life insurance and personal insurance is different ...

Alvin here explained it all

You must understand 1 thing. people who buy life insurance will not stop at less than 85 years old because with life insurance you are given medical coverage as well. Bear in mind when you are old, you will surely pay medical fees. No matter how healthy you are, these illness you cannot stop them from coming.

u can try investment link insurance...
pay min of 100 per month at least for 2year...
after 2 year there will be a poll of money that u invested in ut...
some of the money can be withdrawl...

yes buy !

hopefully this article can help a bit

http://malaysiapersonalfinance.blogspot.co...-insurance.html

your choices are:

term insurance - cheapest, no return
traditional - expensive, slightly less than FD return
link insurance - in the middle, may lose money but also may earn more than FD return