Insurance as Investment

There are a lot of insurances that we can avail of. My husband said that you can have everything you want as long as you can afford to pay for it. Just like me, I am paying a private life insurance which I can withdraw anytime. I also have a private accident insurance. We are also paying for the insurances for our car, house, lawyer insurance and a lot more. I can't memorize exactly how many insurances we are paying. I believed insurances are also a form of investment. I am just not sure if my h