Here is Suze orman's view about life insurance as an investment. It is a bad investment.
http://www.youtube.com/watch?v=6vnN9liFWaE
Suze Orman said that life insurance is bad for consumers, because of the high commission and other charges. Actually, it is not so bad in America, as there are tax advantages to offset the high charges. There is no tax advantage in Singapore, so life insurance is exceptionally bad in Singapore. It is made worse by the high deductions that are probably higher than in America.
Is a life insurance agent helping consumers by selling them a bad product? What type of friend is this?
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