Before you can arrive at your answer on what would the "best" policy, there are a lot of considerations:

• Who is it for?
• What is the purpose/objective of the policy?
• How long do you intend to fund it?
• How will this blend into your overall financial planning?
• Do you intend to purchase the policy from an insurance broker or insurance agent?
• etc…

There are really a lot of considerations before you will be able to arrive at what would be a suitable policy to meet the needs that you are trying to address.

If you would like to do some basic research, you may visit the Life Insurance Association’s (LIA) website for more information.

• For LIA Guides and Other Resources (Check out Your Guide to Buying Life Insurance)
• Tips for Buying Life Insurance

My suggestion would be for you to speak with Insurance Agents and also Insurance Brokers to have a feel of what they can offer in terms of products and services… For me, I would adopt the following

• Look for an agent/broker who I am comfortable with i.e. this mean meeting with more than one potential insurance adviser if need be.
• You should also take note that the person should be suitably qualified to do a Financial Needs Analysis for you. Some certifications that you can look out for are Chartered Financial Consultant or Certified Financial Planner designation etc
• Once I have identified the person whom I am comfortable with and trust that he/she is suitable qualified to help me with my financial planning, I will then complete a Financial Needs Analysis with the adviser.

Buying insurance is a long term commitment, many a times, I find that people purchase insurance on a piece meal basis which may create an obstacle in piecing together your financial planning "jig saw puzzle" and thus creating redundancies.

I was previously in the industry and have since moved on… And from my experience, the BEST wholelife/endowment/investment link etc policy does not exist. What is suitable for one person may not be suitable for another…

Hopefully I have not created a headache for you instead but just hoping to draw your attention to some issues that you should look at… Finding a good planner who is able to place your needs and have your best interest at heart is more important than finding the "best" policy.