I can agree with you, but i also think these guys that are going to be buying xiaomi or anything else on a whim because of other friends recommendation are going to end up to be the guys that feel after receiving 100 payments that they should draw out the surrender value and invest themselves etc.etc.etc... i.e. doing all the wrong things that should not be done once you purchase such a plan.
but at least one thing good about this, it should be less predatory than the annuity plans that large insurance company or IFAs are bugging everyone to buy...