Originally Posted by daytona View Post
I can invest my money into other items that will generate more returns that what the insurance companies usually provides.
Sure you can but non will pay you out a lump sum if you get sick or die...that is the point.
However as Deep 3.2 mentioned they offer other investments as well that compete with what a bank for example would offer that help you save and pay for the policy in the future.
Honestly I still am not sure if you get the point of insurance.