Firstly, You want a high saving portion insurance and a short period of time, then you must keep in mind that, the premium will be very high. And the coverage might be very little, assume 20K US, you might bare at least 7k+ premium. That doesn't seem reasonable to use 50% of your income just for a low coverage insurance with high saving portion.
If you have more concerns, feel free to email me
[email protected]