Etiqa saving plan

Yesterday, I was really attracted by the Etiqa saving plan. How can I not be moved by such an attractive package (saving plan with free insurance). The interest is about 5.5% to 9% (according to the agents this is the lowest projection rate). I found it is a good long term investment.. Most of the time I don't act immediately. I told the agent i need time to consider although they tried all they could to persuade me.. However, as i surfed the net for its further info., I came across a forum in which ppl were saying how bad this plan is.. some ppl even said this is the worst plan ever.. They said the saving plan is actually a "Life Insurance" plus "Investment Plan". Many of them wanted to cancel the plan after they consulted others. I feel lucky that i haven't signed up yet.