How to tell a good life insurance policy from a bad one?

Many people buy a life insurance policy as a form of long term saving and investment. This article explains how to identify a good insurance policy from a bad policy, Before you commit to a long term saving plan, you should read this article. You should NEVER trust the marketing pitch of the insurance agent or the bank officer blindly.
http://fisca.sg/Info/417/Understand-the-Benefit-Illustration