Thanks very much for your feedback - we do get what you're saying However, keep in mind that the whole point of putting life insurance in place is to make sure that in case worse comes to worst and you (or your family) need to claim in case of death, disability or critical illness, you'll have a backup plan in place. But, let's assume that for a period of 12 years you won't need to make use of this backup plan...at least you'll receive 10% of your premium back in year 5 and again in year 10! Surely, this is better than just having to pay for life insurance year after year - without getting anything out at all?
