Complex sentence: Critics point to the rate of return being less than in a typical investment, the extra cost of the policy compared to basic term life insurance policies and that, if the policy is canceled at any time, no money is refunded.
Split into simpler sentences: Critics point to the rate of return being less than in a typical investment, as well as the extra cost of the policy compared to basic term life insurance policies. Also, if the policy is cancelled at any time, no money is refunded.