This means if you are the type that is careless with money, have difficulties to save money, don't really care about investing, etc. Such benefits become important to you and it is probably for your own good that you should have at least one or two such investment-linked products inside your beg.
But if you are careful with money, have a good saving and investing plan, etc. You can afford not to pay for such benefits. Keep the change to improve your coverage or increase your investment...
Therefore, am I against insurance products like investment-linked? Not really. It is useful for certain people.
Part 1: Reduce your life insurance premium
Part 2: Reduce your life insurance premium (2)
Part 3: Reduce your life insurance premium (3)
Other web resources
Read what the expert says about life insurance, Term or Whole Life?