Which Companies should I buy my insurance and unit trust from ?

I am not very keen in answering which company . But I believe one should focus on what they are buying and understanding on how to use the policy to their favour .
Things to look out for is

1. low cost of distribution
2. Earlier breakeven year
3. No or low penalty in surrender the policy
4. Able to maximizes the cash value during crisis 
5. Able to allow the policy holder to transfer the risk to the company before crisis

It doesnt matter which company you buy from ......... Rule of thumb is to preserve your capital and to gain the benefit.