Ok, alright, I see.
I have encountered this with the financial advisors that I've talked to. They've offered me an "investment" + "deposit" and the other option was "investment" + "insurance".
I wasn't too ready during that time when they offered me those options.
Nah, you're not missing out much. Most of the time they just try to sell BS (get rich fast/ retire in X years) to you just for their quota/ commission.
From banks or insurances, they're legit but you're expected to reload/ top up funds every month. That's what I used to do until I decided to invest elsewhere.