Next comes the Insurance companies. The whole "pay this much amount monthly to get a return of this much amount at the end of xx years" was a complete scam!
You can pay with your whole heart all that you wish, but they would never payback a cent of you money. Forget the interest, that was a bait anyway.
And as like you never win in gambling, you never win in Insurance too. Not even if you face the accident that you are insured against. And even NOT IF they mysteriously pay for your loss.
You want to insure yourself? Better save the premium you wished to pay yourself, and use that fund in your hard times.
Not only you gain double the benefit this way as no insurance company in the world pays back more than 50% of the premium collected, but also you get a 10 times larger payback this way, as you are comparing the investment with a BD company, which most likely would have never paid you back anyway.