In my opinion, there is no loss that will be accepted in having insurance, provided that:
Do not close the policy in the middle of the road;
Don't stop paying the policy in the middle of the road, or within a few months, because it will cause the policy to lapse (a condition that makes the customer unable to claim the stated rider).
And, if you take out Unit-link insurance, there will be an investment in it, which can return even more money in a certain year.
For more details, you can ask directly to an insurance agent who really understands the system and how insurance works.
Or, you can ask me directly if possible.
Hopefully the answer is yes.
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