Life Insurance alert or Scam

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Now a days agents / advisor of different life Insurance companies are flooding in market . They many times mislead customer for higher return & no risk , I am not against life insurance ,life insurance is must for earningo members ,You should be insured for such an amount that in case of any eventuality ,your family gets good amount and their plans does not fail ,you will have to take care of below mentioned points. 1. Never select a policy premium which you will not able to give in advers days. 2. Do not go for higher premium policy instead go for small premium many policies. In event of some problem , some policies you may be able to run & other may lapse, policy may be restarted when you are having good days and wealth. 3. Various companies are offering unit linked insurance , charge very high administrative charges ,balance amount is invested in equities . Agent and advisor never tell you correct position. & you may be looser at the end . 4. In Unit linked polices , there is limitation for 3 year premium , if you do not pay, your policy may be lapsed. Yes may get only negligible amount . 5. Hence take care of every point before opening any policy. 6. Ask your agent and advisor what ever he says to give in writing along with signature, probably he/she will not give