The advertisement compares saving money on your own with pooling money through an insurance provider. It also refers to protection in the event of illness or death.
What the advertisement presents
The speaker describes pooling contributions and having a provider manage them, and mentions reviewing claims and providing protection. These are broad statements from an advertisement, not a full explanation of the contract.
Identify the product before comparing it
The information presented is not enough to identify the product structure, potential return, access to funds, or exclusions. Do not assume that principal or a benefit is guaranteed without written product documents. Review the current proposal and policy wording, including the conditions that determine eligibility and payment.