Why to take Life Insurances.

Hi This is my opinion on life insurance and policies they provide.

when i see an add of sehwag and yuvaraj for a policy related add.I feel very bad for that why because they are making there fans blind.
My point of view on insurances is that we are moving ourself in to fear .They are creating dought on over self that what will happen when i die.From this point of thinking any persons life will not be happy, every day he will fear.
Ok if we consider we are thinking about our children and about there future.Then is this the right choice.If parents has the ability to teach children correctly i think there is no need to spend lot of money for children education.great people were not from great schools.

Children should not be dependent on other sources after certain age.

So think once or twice before investing in life insurances.I feel invest on knowledge better than insurances.