I dont really quite understand your question. But if i may contribute, the point of buying insurance is to ensure that if something happens, you will be able to claim. Hence, when examining the fine prints of an insurance, it is essential for you to filter products based on their definition when it comes to certain claim conditions.
In terms of cost, the concept of buy-term invest the rest might not be economically justifiable as one will have to do a proper analysis in the total cash outlay from a life-insurance vs a term insurance. Hence, it will depend on your financial condition, your budget, and your own experience in managing your own investment portfolio.
Here's an example of a comparison that I do for my clients. Hopefully, from this you will be able to understand that the concept of buy-term-invest-the-rest might not be a best solution depending on your individual situation.
If i may do abit of self promotion, should you need any help in learning about the framework needed to compare products on your own or if you need any help in managing your finances, you can learn more about it on my website: https://www.sgifa.net/