Just to assist you my brother,wachana na these policies. Youre 10 times better off putting a standing order to a money market funds and earn 8%. These things when you strip them down to cashflow (cash in Vs Cash out & time value of money) the return is in the region of 1.5 - 2%,Lucky if you get 3%. Also note the hassles of getting back your investment before the term is over is much harder than they tell you.
Only benefit is the life insurance part for which you can get for 10 - 20% of the premiums of the education policy and when you want to stop it you just stop paying,you dont even inform them.
Want to be a millionaire.... plant a million cabbages and sell them at a bob...