You have to be really careful when you choose your life insurance. Check online for insurance quote and try to read reviews about the insurance you are about to buy. As I had told earlier, its better to invest in some other funds if you wish to make money. Get your insurance not to make money but for your loved ones if something happens to you. And all the time pray that nothing happens – I am sure that insurance companies does this because they don’t want to pay to their clients..lol..