Insurance is for protection should anything happen to you. Life Insurance doesn't insure your life. It insures your family's ability to continue on without being financially devastated.
This is a BTID (Buy Term, Invest the Difference) Life Insurance. It's a Term Insurance (making it affordable) and has Premium Deposit Fund (so you won't have to worry of spending the difference). PDF is withdrawable, even on the first year, and is guaranteed not to go negative interest. It's a very affordable Insurance with flexible investment component.
video credits to Coach Jhon Abud