There exist so many insurance products on the market these days that a layman can find it difficult to decide whether or not to buy a whole-life insurance, integrated medishield plan, investment-linked product, an endowment product or other products. I have a whole-life insurance, two endowment, one term insurance and an integrated shield plan. All these products were purchased when I was much younger. As I grow older and become wiser, I started to research more and more into insurance and investment products. It was only as my research into these products grow comprehensively that I find that certain insurance products which I have bought should not be bought after all. The results are my findings: I think a whole-life insurance, a investment-linked insurance policy, endowment plan are all not necessary at all. We need to decouple insurance, investment and protection as 3 separate entities and one should not buy ......