Why is life insurance like gambling.

Who said life insurance is gambling? You are taking a insurance on your life and pay premium. In an endowment policy, you get almost double the amount of sum assured. Sum assured is realised at the time of termination of policy period or termination of life whichever is earlier. In between if you need a loan on your policy, you can borrow 75% of surrender value of the policy. What is gambling in the policy. When you cannot pay the premiums, then it is gambling. That way life is also a sort of gambling.