I would like to say buying insurance is essential in nowadays, but definitely not investment link insurance product! WHY??
The reason is very simple, if you buy investment link insurance product, you are actually buying two products in a single package, there in order meaning, you are paying two commission for each product (Insurance agent should be more happy about that).
If you know how to invest, my advice is just buy the pure insurance enough, and the other extra cash you use to invest yourself by generating more income.
But however, investment link insurance product is good for those people who lazy and do not how to invest. It can safe guard the those people' money as well as to create a discipline to force them to save the money.
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