well said. one is a protection scheme and the other is an investment scheme. obviously there is nothing to compare. however, in terms of priority, protection scheme is more important than investment. consult your insurance agent for an "adequate" coverage based on your risk and income ability. this is to avoid policy holder from going over or under their budget on the yearly premium.

you should ask your insurance agent to perform an accessment on you or your family's life style changes which took place in every 12 mths interval. the insurance agent will advise you inaccordingly based on your needs and ability. nevertheless, as a rule of thumb, it is a good practice to allocate a maximum 10% of your annual income for you and your family insurances (10% allocation includes you, your spouse and children protection schemes, and NOT you alone). do not go overboard on something that you cannot afford. Life is short, don't make it too short for yourself.

always consult an insurance agent who weights your pocket first rather than theirs. i am sure you know how to distinguish one to another.