Insurance is not an investment product , its a Protection instrument for your Family or any one your want to cover. There are other products for your investments. They can be good if you understand how to make most out of it, but it require knowledge and expertise. They offer some flexibilities , but still they are not worth it. One point to remember and not forget is that this is the minimum cover required for family and anything less than this will be taking risk with family future.

I hope this explanation is enough and also useful for you...........Be happy...........