<prompt> Human: Hi everyone, I am 24m, married, living in Singapore. Recently a friend of mine offered me for AIA Family First Protection plan. After about 10 years of putting money there I might get 4-6 interest. However this comes with a protection plan which covers death, accident, disability etc from the day I sign up.Which bothers me most are the charges. 80, 55 and 40 if I remember the exact values for the first 3 years every month on the money I put in. So if I put 1k per month, for the first year the charge is 800 dollar per month and so on.I have no idea in these sort of stuff, no experience with investment and Im not good with personal finance. Will this be something worth doing?Note that Im originally from Bangladesh and came to Singapore 6 months ago for my job. My chance of losing my job and going back to my country is very low, but if I have to go back to my country in the next 2-3 years, I will be losing most of my money since the charge is non-refundable.  <response>: Life insurance should be used for life insurance, not as an investment. The person selling it is trying to make a commission. 