Life insurance seeks to protect the interests of dependents after the lifetime of the policyholder as opposed to most other forms of insurance that usually benefit the policyholder themselves. This creates unique barriers to take-up, and therefore, life insurance is often bundled with savings or investments to make them palatable to policyholders themselves and sold via agents to improve take-up.
However, life insurance product choice is a matter of good fit, and not all savings-cum-insurance products are universally suitable for all categories of customers.
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