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Money back policies are the costliest traditional plans offered by insurance companies. This is because these plans return parts of the sum assured periodically, within the policy term. Another reason for the high premiums is that, if the insured dies even after getting 60 per cent of the sum assured in the form of survival benefits, the family of the insured gets the full sum assured (despite the 60 per cent of the sum assured already paid). The premium is broken into three parts.

Money Back Premium: Basics

  • Money-back Life Insurance Plan
  • Life Insurance FAQs on Premiums
  • Do I need life insurance?

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Money Back Premium: Opinion

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Decision-making Corner

  • Term Insurance comparator
  • Returns on Money Back Policy vs. Inflation Calculator
  • Should I Continue My Children's Money back Policy?
  • Endowment vs. Whole Life Comparator

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