Endowment Plus Plan
 

Endowment plus plan is a unit linked plan, which offers investment cum insurance cover during the policy term. This plan provides investment, savings and insurance that mean all in one plan. The policy is available for people aged between 7 years and 60 years for a policy term between 10 years and 20 years.

The plan offers a risk cover of up to 11 to 30 times of annualized premium or 1.25 times of single premium. The policy holder has the option to select any of four funds namely, bond fund, secured fund, balanced fund, growth fund.

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Most experts suggest that make your investment and insurance separate.Buy pure insurance and invest in the difference.You dont know where to invest?start with mutual funds.

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I do not discourage anyone from buying insurance,I myself is an advocate of protection insurance,Its good to have a life insurance and a comprehensive health insurance that covers if possible all your family members,If your purpose in buying insurance is for investment then I suggest buy pure protection insurance.

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