As you've probably known already, my Dad used to be a life insurance agent and of course the competition in the life insurance business is fierce. Every company needs to develop their own special life insurance packages as interesting as possible so that customers would want to be interested in buying them. Whether the company offers lowest life insurance rates, a combination of life insurance and scholarship program, a combination of life insurance and investment program, and many more attractive programs with different pros and cons.
Here in Finland when someone loans some money from the bank to buy some property, the bank immediately offers life insurance, house insurance, and even car insurance at special rates. In Indonesia, the combination of life insurance and scholarship program is popular. Why? Because sending your kids to good schools there costs a fortune, so it's very profitable to buy this kind of insurance program so that when it's time for your kids to go to school, you don't have to pay the full amount of money needed to send your kids to school.
Before buying an insurance program, you've gotta make sure how reliable the company is. Secondly, you need to figure out what kind of program suits you best and what you need most from an insurance program. After all, everybody wants to pay less to get the highest amount of profit available. However, if something sounds too good to be true, you should beware that you don't fall into a trap. Take time to do some research before you decide on buying any insurance program so that you won't regret anything in the end.