Some people think insurance company is a scam due to their past experiences of not getting their claims.
But it’s not so,there are different types of insurance and their terms and conditions.
For example we have the life assurance which covers :
*Retirement plan
*Children university education
*Project fund plan
Before you buy any of these plan you need information on which one suit you and your family.
For children university education and retirement plan age of the policy holder is need to know how many years is the validity of contract.

Another thing is breaching the contract ,so it’s important to get the information about the terms and conditions before buying a policy.
There is always a form to fill and once you don’t fill the proper information,it can affect the claims at long run.
Lastly do your research on the insurance company and their credibility before you get insured.
I work with a reputable organization that have a financial structuring for our insured.