When it comes to buying insurance, you must have an objective for each policy you purchased and it should be a long term plan which you can afford to paid till premium is no longer required for the protection.
The best ROI for insurance is to go heaven as early as possible. *touch wood*
That will definitely not be the main objective unless there was a plan to get Good ROI with that.
So, make sure anyone who purchase insurance do not overstretch themselves.
An example is you can use your Medisave to pay for your Integrated Shield Plans.
https://www.moh.gov.sg/content/moh_web/home/costs_and_financing/schemes_subsidies/Medishield/Medisave-approved_Insurance.html
It is about Enjoying Life, not about Exchange Payout with your Life.
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