Like anything else which seems too good to be true, it usually is.
Life insurance policies can be sold with an investment element, such as an endowment. When completely different financial products are combined like this, they are invariably poor value for money. If you want to invest, do it separately.
Some providers offer regular or retirement bonuses. These are rarely big enough to count as investments. In the real world, their value is often less than the rate of inflation.
Make sure there's no investment element to your policy. It should be pure life insurance.
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