I actually have different point of view.
When your husband bought the insurance, you are buying a protection (first year payment is only HK$7,800, but the coverage is HK$500,000). Of course, you may think that it is not worthwhile to buy it at that time, but what if your husband passed away in second year, I believe you would have said thank Gods that I have bought this protection.
Re term life, you may pay the premium each year, but the premium will be adjusted and it will be more expensive after certain ages (say 50 years old). For your case, your savings plan should have certain interest given and accumulated in your account (cash value).
Whether you are choosing insurance companies or banks are up to you and whether you want any services. Insurance companies and banks may provide similar interest, but when you need to claim, it depends on whether you want to call the hotline or you want to find your serving agents directly.
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咁我想問問銀行有冇淨人壽買定要找保險公司買呢？thx
我都係入來理財版才醒過來
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