In my working career, many insurance agents approached me to buy all sort of insurance. As we are not familiar with the jargons they use, I just felt very insure to buy any insurance at all. Looking at the reports from the newspaper, I am grateful that I didn't buy anything. Just prudent saving to cover for the rainy days.
Making it hard for claimants
Consult a doc and read the fine print before signing up for a health policy
Hundreds of true-life trials of the insured
My policy of buying insurance, if at all necessary, is to buy "fit for purpose", eg, never buy life insurance to cover house loan. Just a housing loan insurance will do ... cheap and do the job!
Just to clarify, I am concerned about life insurance and critical illness insurance. Terms insurance is a form of saving and is normally straight forward.