These are two different products, and there is no comparability, just as we can't say whether the car is more convenient or the boat is more convenient.

Endowment insurance is indemnificatory. It pays more attention to helping us to save the present money stably, providing a certain degree of protection for future expenses, and often ensuring life and medical care. And money is basically investment, in order to make more money with our current money, but we say that investment is risky.