Can insurance be used as investment?

Traditional policies and ULIPs of life insurance companies are insurance-cum-investment policies. These offer very less protection since insurance component in them is minimal and due to high charges associated with them the investment component in these does not yield returns comparable to pure investment products. So insurance policies that combine investment (all the ones that have some sort of benefits apart from death benefit) are a losing game for you but a winning game for the insurance company.

Encouraged by the success of life insurance companies health insurance companies have launched health policies combining investment but you must best stay away from them.


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